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October 19, 2015

Bank of the Ozarks, Inc. and Community & Southern Holdings, Inc. Enter into Definitive Agreement and Plan of Merger

Bank of the Ozarks, Inc. (NASDAQ: OZRK) and Community & Southern Holdings, Inc. announced today the signing of a definitive agreement and plan of merger ("Agreement") whereby Bank of the Ozarks, Inc. ("OZRK") will acquire Community & Southern Holdings, Inc. ("CSB") and its wholly-owned bank subsidiary, Community & Southern Bank, in an all-stock transaction valued at approximately $799.6 million, or approximately $20.50 per fully diluted CSB share, subject to potential adjustments as described in the Agreement. Closing of the transaction is expected to be immediately accretive to OZRK's book value per common share and its tangible book value per common share. The transaction is expected to be accretive to OZRK's diluted earnings per common share for the first twelve months after the transaction closes and thereafter.

Community & Southern Holdings, Inc., headquartered in Atlanta, Georgia, was established in 2010 and has completed fourteen acquisitions resulting in 47 Georgia banking offices and one Jacksonville, Florida banking office. Most recently, CSB acquired certain CertusBank branches on October 9, 2015. At September 30, 2015, CSB had approximately $4.4 billion of total assets, $3.0 billion of loans and $3.7 billion of deposits (including pro forma balances of total assets, loans and deposits related to the acquisition of the CertusBank branches).

Upon the closing of the transaction, CSB will merge into OZRK and Community & Southern Bank will merge into OZRK's wholly-owned bank subsidiary, Bank of the Ozarks. Completion of the transaction is subject to certain closing conditions, including customary regulatory and shareholder approvals. Pat Frawley, Chief Executive Officer and founder of CSB, will become Bank of the Ozarks' Chief Executive - Georgia upon completion of the transaction. Frawley is expected to play a major role in the successful integration and future strategic direction of the two banks' combined 75 offices and operations in Georgia.

Frawley commented, "Our teammates have worked incredibly hard over the past six years building a quality franchise, and I am very proud of them. As a result of this transaction, our shareholders will be rewarded, and our employees, customers and communities will have enhanced opportunities available to them by being associated with the highest performing community bank in the United States. We are extremely optimistic about our future prospects and are eager to get underway with our new partner."

George Gleason, Chairman of the Board and Chief Executive Officer of Bank of the Ozarks stated, "We are very pleased to announce the acquisition of Community & Southern Bank. This combination is a hand in glove fit. The synergies created by our highly complementary combined network of 75 Georgia banking offices, with virtually no overlap, will give us a powerful presence in Georgia, providing customers with great access and convenience. The addition of CSB's Jacksonville, Florida office provides us entry into the favorable Jacksonville market and expands our existing 10-office presence in Florida. Even more important is the depth and expertise of our two extremely talented teams of bankers. Our customers in Georgia and Florida will benefit from our great combined team, our expanded network of banking offices and enhanced services. We are excited about the tremendous growth opportunities."

This is the fourteenth acquisition for Bank of the Ozarks, Inc. since March 2010 and its largest transaction to date. According to data from SNL Financial, this acquisition, both in total assets and in purchase price, is the largest ever by an Arkansas bank. Under the terms of the Agreement, which has been approved by the boards of directors of both companies, each holder of outstanding shares of common stock of CSB will receive shares of common stock of OZRK. The number of OZRK shares to be issued will be determined based on the fifteen day volume weighted average stock price of OZRK's common stock as of the second business day prior to the closing date, subject to a minimum and maximum price of $34.10 and $56.84, respectively.

In addition to the information contained within this announcement, an Investor Presentation containing additional information regarding this transaction has been posted on OZRK's website www.bankozarks.com under "Investor Relations." CSB was advised by the investment banking firm of Sandler O'Neill + Partners, L.P. and the law firm of Alston & Bird LLP. Bank of the Ozarks, Inc. was represented by the law firm of Kutak Rock LLP and advised by the investment banking firm of FIG Partners, LLC.

ABOUT BANK OF THE OZARKS, INC.

Bank of the Ozarks, Inc. is a bank holding company with $9.3 billion in total assets as of September 30, 2015 and its shares trade on the NASDAQ Global Select Market under the symbol "OZRK." OZRK owns a state-chartered subsidiary bank that conducts banking operations through 174 offices in Arkansas, Georgia, North Carolina, Texas, Florida, Alabama, South Carolina, New York and California. OZRK may be contacted at (501) 978-2265 or P. O. Box 8811, Little Rock, Arkansas 72231-8811. OZRK's website is: www.bankozarks.com.

ABOUT COMMUNITY &SOUTHERN HOLDINGS, INC.

Community & Southern Holdings, Inc. and its wholly owned subsidiary, Community & Southern Bank, is one of Georgia's strongest banks with more than $4.4 billion in assets. CSB is headquartered in Atlanta, Georgia and operates 47 branches throughout Georgia and one office in Jacksonville, Florida. CSB's core purpose is "to passionately invest in our team members, our clients and our communities every day."


ADDITIONAL INFORMATION

This communication is being made in respect of the proposed merger transaction involving OZRK and CSB. This communication does not constitute an offer to sell or the solicitation of an offer to buy any securities or a solicitation of any vote or approval. In connection with the proposed merger, OZRK will file with the Securities and Exchange Commission ("SEC") a registration statement on Form S-4 that will include a joint proxy statement of OZRK and CSB and a prospectus of OZRK. OZRK also plans to file other documents with the SEC regarding the proposed merger transaction. BEFORE MAKING ANY VOTING OR INVESTMENT DECISION, INVESTORS ARE URGED TO READ THE JOINT PROXY STATEMENT/PROSPECTUS REGARDING THE PROPOSED TRANSACTION AND ANY OTHER RELEVANT DOCUMENTS CAREFULLY IN THEIR ENTIRETY WHEN THEY BECOME AVAILABLE BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION ABOUT THE PROPOSED TRANSACTION. The joint proxy statement/prospectus, as well as other filings containing information about OZRK and CSB, will be available without charge, at the SEC's Internet site (http://www.sec.gov). Copies of the joint proxy statement/prospectus and the filings with the SEC that will be incorporated by reference in the joint proxy statement/prospectus can also be obtained, when available, without charge from OZRK's website at http://www.bankozarks.com under the Investor Relations tab.

OZRK and CSB, and certain of their respective directors, executive officers and other members of management and employees may be deemed to be participants in the solicitation of proxies from the shareholders of CSB and OZRK in respect of the proposed merger transaction. Information concerning such participants' ownership of common stock of OZRK and CSB and any additional information regarding the interests of such participants will be included in the joint proxy statement/prospectus and other relevant documents regarding the proposed merger transaction filed with the SEC when they become available.

CAUTION ABOUT FORWARD-LOOKING STATEMENTS

This communication contains certain forward-looking information about OZRK and CSB that is intended to be covered by the safe harbor for "forward-looking statements" provided by the Private Securities Litigation Reform Act of 1995. All statements other than statements of historical fact are forward-looking statements. In some cases, you can identify forward-looking statements by words such as "may," "hope," "will," "should," "expect," "plan," "anticipate," "intend," "believe," "estimate," "predict," "potential," "continue," "could," "future" or the negative of those terms or other words of similar meaning. These forward-looking statements include, without limitation, statements relating to the terms and closing of the proposed transaction between OZRK and CSB, the proposed impact of the merger on OZRK's financial results, including any expected increase in OZRK's book value and tangible book value per common share and any expected increase in diluted earnings per common share, acceptance by CSB's customers of OZRK's products and services, the opportunities to enhance market share in certain markets, expectations regarding branch consolidation, if any, market acceptance of OZRK generally in new markets, and the integration of CSB's operations. You should carefully read forward-looking statements, including statements that contain these words, because they discuss the future expectations or state other "forward-looking" information about OZRK and

CSB. A number of important factors could cause actual results or events to differ materially from those indicated by such forward-looking statements, many of which are beyond the parties' control, including the parties' ability to consummate the transaction or satisfy the conditions to the completion of the transaction, including the receipt of shareholder approval, the receipt of regulatory approvals required for the transaction on the terms expected or on the anticipated schedule; the parties' ability to meet expectations regarding the timing, completion and accounting and tax treatments of the transaction; the possibility that any of the anticipated benefits of the proposed merger will not be realized or will not be realized within the expected time period; the risk that integration of CSB's operations with those of OZRK will be materially delayed or will be more costly or difficult than expected; the failure of the proposed merger to close for any other reason; the effect of the announcement of the merger on employee and customer relationships and operating results (including, without limitation, difficulties in maintaining relationships with employees and customers); dilution caused by OZRK's issuance of additional shares of its common stock in connection with the merger; the possibility that the merger may be more expensive to complete than anticipated, including as a result of unexpected factors or events; general competitive, economic, political and market conditions and fluctuations; and the other factors described in OZRK's Annual Report on Form 10-K for the fiscal year ended December 31, 2014 and in its most recent Quarterly Reports on Form 10-Q filed with the SEC. OZRK and CSB assume no obligation to update the information in this communication, except as otherwise required by law. Readers are cautioned not to place undue reliance on these forward-looking statements that speak only as of the date hereof.


October 13, 2015

Community & Southern Bank Completes Acquisition of CertusBank Branches in Georgia and Florida

Community & Southern Bank (CSB) has completed its acquisition of certain loans and deposits related to 14 CertusBank branches throughout Georgia and Florida. The transaction included approximately $580 million in deposits and approximately $181 million in loans.

"We are pleased to announce the completion of the CertusBank acquisition and a successful systems conversion," said, Pat Frawley, Chief Executive Officer of CSB. "This transaction builds market depth in key markets and expands our footprint into other exciting markets, including Columbus, Macon, Jefferson and Greensboro, Ga. and Jacksonville, Fla., where we are eager to participate in growth opportunities. This acquisition also positions us as one of the largest, most convenient community banks in Georgia, and provides us with significant liquidity to fuel our organic loan growth."

Since the bank's inception, CSB has helped stabilize markets, generated more than $4 billion in new loans, and now employs more than 600 individuals. In addition, CSB supports worthwhile causes in its markets through its employee-funded charitable foundation, the CSB Foundation, with an emphasis on programs related to children and the military.

"This transaction marks CSB's fourteenth acquisition since our inception, and is the culmination of many months of hard work on the part of CSB and CertusBank team members," said Frawley. "This is an outstanding transaction for us, and I want to offer my sincere thanks to the many people who made it happen."

"We are delighted to welcome the customers and team members of CertusBank to CSB," said CSB President, Mark Abernathy. "We look forward to working with our new CSB team members from CertusBank as we continue building and strengthening our customer relationships."

CSB was advised by the investment banking firm of Barclays and represented by the law firm of Alston & Bird LLP.

About Community & Southern Bank

Community & Southern Bank (CSB) is one of Georgia's strongest banks with more than $4.4 billion in assets. CSB is headquartered in Atlanta, Georgia and operates over 45 branches across Georgia's northern, eastern and western counties. CSB's core purpose is "to passionately invest in our team members, our clients and our communities every day."


October 8, 2015

Community & Southern Bank Announces Expansion of Government Guaranteed Lending Division

Community & Southern Bank (CSB) announced today that Brad Turner has joined CSB as Executive Vice President and Managing Director of Government Guaranteed Lending (GGL). Turner will also become a member of the bank's management committee.

"I am thrilled to become a part of a financial institution that has seen tremendous growth and to lead a passionate team of talented professionals," says Turner. "It is evident the leadership team at CSB has made a commitment to making government guaranteed lending an important part of its strategy for growth. Our team has had a successful track record of performance and I have no doubt that we can meet the credit needs of small businesses both within the CSB footprint and nationally."

Accompanying Brad will be a team of 13 GGL professionals most of whom will be located in Durham, N.C., including:

• Pete O'Hern, SVP, Director of Sales;

• Sterling Russell, VP, Underwriting Manager; and

• Crowell Little, Senior Credit Officer, who will report to CSB's Chief Credit Officer, David Edwards.

"The addition of these exceptional individuals is another step in expanding our commercial banking product line and expertise," says David Edwards, CSB's Chief Credit Officer. "Government Guaranteed Lending, in particular SBA loans, assists our bankers in meeting our current clients' needs and is a tool for generating new, high-quality client relationships."

The group will support origination and servicing of GGL loans as well as assist CSB relationship managers. Tareasa Harrell, part of CSB's current GGL team, will serve alongside the new team and will continue assisting CSB relationship managers and others within the organization.

"It's an exciting time to be part of the commercial banking industry, which is seeing tremendous change and growth," says Rick Ingram, CSB's Executive Vice President of Commercial Banking. "I look forward to working with Brad and leveraging our extensive experience in commercial and GGL banking to enhance the value and service we provide our customers and the communities we serve."


June 1, 2015

Community & Southern Bank Announces Acquisition of $764 Million of Deposits from CertusBank, N.A. in Georgia and Florida

Community & Southern Bank (CSB) announced it has entered into a Purchase and Assumption Agreement with CertusBank, N.A. (CertusBank) to purchase certain loans and deposits related to fifteen CertusBank locations throughout Georgia and Florida. Pursuant to the terms of the Purchase and Assumption Agreement, CSB will acquire approximately $764 million in deposits and approximately $230 million in loans. The transaction is expected to close in the third quarter of 2015, subject to shareholder and regulatory approval.

"We are very excited to announce this strategic transaction with CertusBank. This transaction significantly increases our market share throughout Georgia and provides us with exposure to several new markets, including Columbus, Macon, and Jacksonville, Florida. This is an outstanding transaction for Community & Southern and our shareholders," said Pat Frawley, Chief Executive Officer of CSB. "I am very pleased to welcome our new CertusBank clients to CSB. Offering sound financial solutions combined with the utmost integrity and exceptional banking expertise is the foundation upon which CSB was formed and we are proud to have the opportunity to serve our new clients and our new markets."

Community & Southern Bank currently operates more than 40 branches in metro Atlanta and across Georgia's northern, eastern and western counties. Since its inception in 2010, CSB has grown its assets to more than $3.6 billion, and has successfully completed 13 acquisitions. CSB has helped stabilize markets, generated over $3.0 billion in new loans, and now employs more than 600 team members. In addition, CSB supports worthwhile causes in its markets through its charitable foundation, with an emphasis on programs related to children and the military.

According to Frawley, "Our vision is to build a highly valuable and well-run banking franchise and to become the financial institution of choice in our markets by exceeding the expectations of our clients and our communities. We believe this acquisition supports that vision." Frawley further states, "We believe in the advantages of community banking and we look forward to working with our new team members from CertusBank as we continue to serve the needs of our clients and communities."

CSB was advised by the investment banking firm of Barclays and represented by the law firm of Alston & Bird LLP.


May 8, 2015

Community & Southern Holdings, Inc. Completes Acquisition of Community Business Bank

Community & Southern Holdings, Inc. (C&S Holdings) has completed its acquisition of Community Business Bank (CBB) in Cumming, Georgia. The acquisition was completed in only 94 days since the merger announcement on January 30, 2015.

As of March 21, 2015, CBB reported approximately $155 million of total assets and $127 million of deposits and operated two banking offices along the Georgia 400 corridor in Cumming, Georgia. The merger was unanimously approved by the Boards of Directors of both companies in January and by the shareholders of CBB in April.

"We are very pleased to announce the completion of the Community Business Bank acquisition," said Pat Frawley, Chief Executive Officer of C&S Holdings and its wholly-owned subsidiary, Community & Southern Bank (CSB). "This acquisition expands our presence in Forsyth County – one of Georgia's fastest growing markets – and positions us well to continue providing our Cumming-area customers with community banking at its best."

Following the completion of operational integration, CBB customers will be able to use any CSB location across Georgia, beginning Monday, May 11th.

"We are delighted to welcome the customers and team members of Community Business Bank to CSB," said Mark Abernathy, President of Community & Southern Bank. "We look forward to working with the entire CBB team as we continue building and strengthening our customer relationships along the Georgia 400 corridor."

CBB was advised by the investment banking firm of Banks Street Partners, LLC and the law firm of Womble Carlyle Sandridge & Rice, LLP. C&S Holdings was advised by the investment banking firm of Sandler O'Neill & Partners, L.P. and represented by the law firm of Alston & Bird LLP.


March 12, 2015

Community & Southern Bank Earns A+ Health and Stability Rating

Community & Southern Bank (CSB) was recently recognized by Deposit Accounts for maintaining the highest financial health rating possible for the seventh consecutive fiscal quarter. The analyst company released its financial health ratings for all federally-insured banks and credit unions with CSB scoring in the top 13 percent nationwide in terms of financial health.

"We are extremely pleased to have our commitment to excellent operational standards and unparalleled banking services recognized," says Mark Abernathy, Community & Southern Bank's President. "Earning this impressive distinction only encourages CSB to continue in its efforts to demonstrate financially sound banking practices while ensuring a positive banking experience for our customers."

Each fiscal quarter, Deposit Accounts evaluates the financial health of every federally insured bank in the United States. Each institution is graded on a number of factors, including capitalization, deposit growth, and loan to reserve ratios, in order to determine a comprehensive health rating.

"DepositAccounts.com is the largest and most comprehensive online resource in the U.S. dedicated to banking/savings deposits information for consumers," says Patrick Russo, head of community outreach for Deposit Accounts. "Community & Southern Bank's proven industry performance in operating epitomizes the strength we look for in our financial health rating system. We look forward to watching CSB continue strengthening its industry position."


February 25, 2015

Community & Southern Bank Teams with Digital Insight to Offer Innovative Online and Mobile Banking Experience

NCR Corporation (NYSE: NCR), the global leader in consumer transaction technologies, recently partnered with Community & Southern Bank (CSB), to unveil a new digital banking experience with services and solutions from Digital Insight, an NCR company. CSB's new online and mobile banking experiences (myCSBonline) are tailored to meet and exceed the needs of its customers in the digital age.

MyCSBonline boasts a multitude of innovative financial solutions that organize and ultimately, simplify the banking experience for its customers. Features such as Mobile & Tablet App Banking and Remote Deposit Capture allow customers to manage their banking needs all from a smart device from anywhere in the world. And users can feel safe doing so with CSB's Strengthened Security Multi-Factor Authentication, which verifies device ID and password. Unique, robust features like FinanceWorks and Person to Person (P2P) payments allow users to simplify money management and send funds electronically via email address or cell phone numbers.

"At CSB, we are always looking for new ways to improve and to build upon our ability to deliver superior customer services," says Mark Abernathy, President of CSB. "The development of myCSBonline highlights our commitment to cater to the needs of our customers and a commitment to continue to evolve as one of the premier financial institutions in the Southeast."

Digital Insight enjoys a 4.7 star rating on the Apple App Store and, according to an independent industry expert, nine of the top 10-rated banking apps are powered by Digital Insight.


January 30, 2015

Community & Southern Holdings, Inc. Announces Agreement to Acquire Community Business Bank

ATLANTA (Jan. 30, 2015) – Community & Southern Holdings, Inc. ("C&S Holdings") announced today that it has entered into a definitive agreement and plan of merger to acquire Community Business Bank ("CBB"). CBB was organized on January 22, 2008 and has two banking locations along the Georgia 400 corridor in Cumming, Ga.

"We are pleased to announce the acquisition of Community Business Bank," said Pat Frawley, Chief Executive Officer of C&S Holdings and its wholly-owned subsidiary, Community & Southern Bank ("CSB"). "This acquisition will significantly expand our presence in Forsyth County and position Community & Southern Bank for future growth in one of the fastest growing markets in Georgia. We are excited about the leadership, experience and market knowledge that Carter Barrett and his team bring to Community & Southern. Carter and the entire CBB team share our commitment to serving our clients and our communities and we are excited to welcome them to the Community & Southern family. As we celebrate our bank's fifth anniversary this week, I can't think of a better way to commemorate this achievement than through a merger with Community Business Bank."

J. Carter Barrett, President & Chief Executive Officer of Community Business Bank, stated, "This partnership is the culmination of many years of dedicated focus and commitment to serve the financial needs of local businesses in the Georgia 400 Corridor. Our primary objective has always been to help our clients prosper and this partnership will aid in fulfilling that objective. Our clients, team members and the businesses we serve will all benefit from being part of one of the strongest and most well capitalized financial institutions in Georgia. CBB customers can continue to expect the same quality of friendly customer service they have enjoyed since we began this journey back in 2008."

Completion of the transaction is subject to certain closing conditions, including customary regulatory approvals and the approval by CBB shareholders.

CBB was advised by the investment banking firm of Banks Street Partners, LLC and the law firm of Womble Carlyle Sandridge & Rice, LLP. C&S Holdings was advised by the investment banking firm of Sandler O'Neill & Partners, L.P. and represented by the law firm of Alston & Bird, LLP.

About Community & Southern Bank

Community & Southern Bank (CSB) is one of Georgia's most well capitalized banks. CSB operates 41 branches in Metro Atlanta and across Georgia's northern, eastern and western counties and has more than $3.4 billion in assets. CSB's core purpose is "to passionately invest in our team members, our clients and our communities every day."



January 30, 2015

5 Years of Financial Success Serving Georgia Communities

Founded January. 29, 2010, CSB continues to successfully expand its outreach and assets


ATLANTA (Jan. 30, 2015) – Community & Southern Bank (CSB) – one of Georgia's most well capitalized banks operating more than 40 branches in metro Atlanta and across Georgia's northern, eastern and western counties – celebrated its fifth anniversary on Thursday, January 29, 2015. Since its inception in 2010, CSB has grown its assets to more than $3.4 billion, and has successfully completed 12 acquisitions, including both failed and healthy banks.

"The banking industry has seen new progress and stabilization over the past few years and we are honored to be a part of this forward momentum," says Pat Frawley, CSB's Founder and Chief Executive Officer. "It is a true testament to our team, our business plan and our commitment to serving our communities that we have flourished to become the second largest community bank headquartered in Georgia."

Frawley continued with, "We have tried to be a part of the solution of helping the Georgia banking community recover and heal from the terrible economic downturn of the past seven years. Our mission has been to build a highly valuable and well-run banking franchise and to become the financial institution of choice in our markets by exceeding expectations of our clients and our communities."

Since the bank's inception, CSB has helped stabilize markets, generated $3.0 billion in new loans, and now employs more than 600 individuals. In addition, CSB supports worthwhile causes in its markets through the CSB Charitable Foundation, with an emphasis on programs related to children and the military.

As CSB looks to the future, through a combination of strong organic growth and strategic partnerships, it will continue to operate in a diversified, risk averse manner and continue with its core purpose of passionately investing in its team members, its clients, and communities every day. Offering sound financial solutions combined with the utmost integrity and exceptional banking expertise will remain as the foundation upon which CSB was formed.


August 20, 2014

Community & Southern Holdings, Inc. Completes Acquisition of Alliance Bancshares, Inc.


ATLANTA (August 20, 2014) – Community & Southern Holdings, Inc. (C&S Holdings) announced today, just 94 days after the merger announcement on May 16, 2014, the completion of its acquisition of Alliance Bancshares, Inc. (Alliance) and its wholly owned subsidiary, Alliance National Bank.

Prior to the merger, Alliance National Bank reported approximately $157 million of total assets, $92 million of loans and $130 million of deposits and operated two banking offices in Dalton and Cumming, Georgia. C&S Holdings transacted the merger at $13.60 per share in cash for all outstanding shares of Alliance. The agreement was unanimously approved by the Boards of Directors of both companies in May and by the shareholders of Alliance on August 6th.

"We are very pleased to announce the completion of the Alliance acquisition," said Pat Frawley, Chief Executive Officer of C&S Holdings and its wholly-owned subsidiary, Community & Southern Bank (CSB). "This acquisition has positioned CSB as the largest community bank in Dalton and helps us expand our presence in Forsyth County, one of Georgia's fastest growing markets. We are impressed with the Alliance team members and the overall quality of Alliance National Bank; our partnership creates many facets of opportunity. Upon completion of the operational integration in the near future, the customers of Alliance will be able to use any of our locations across Georgia."

"We are delighted to welcome the customers and employees of Alliance to Community & Southern Bank. We look forward to working with the entire Alliance team as we continue to build deep customer relationships in these markets, said Mark Abernathy, President of Community & Southern Bank.

Alliance was advised by the investment banking firm The Burke Group and represented by the law firm of Stewart, Melvin & Frost. C&S Holdings was advised by the investment banking firm of Sterne, Agee & Leach, Inc. and represented by the law firm of Alston & Bird, LLP.


July 18, 2014

Community & Southern Bank Announces Acquisition of Eastside Commercial Bank

Today Community & Southern Bank (CSB) announced its acquisition of Eastside Commercial Bank (Eastside), headquartered in Conyers, Georgia from the FDIC. This marks CSB's eleventh acquisition since its inception in January 2010. As of March 31, 2014, Eastside reported total assets of approximately $169 million and total deposits of approximately $162 million. In addition to assuming all of the deposits of Eastside, CSB agreed to purchase approximately $51 million of performing loans from the FDIC.

The two branches of Eastside, which are located in Conyers and Duluth, Georgia, will open Monday as branches of CSB. Over the next few months, as the Eastside systems are integrated into CSB's, clients should continue to use their existing branches, checks, ATMs, debit cards and online banking services. If clients have any questions regarding their accounts involved in this transaction, they should contact their local branch.

"We are very pleased to announce our acquisition of Eastside Commercial Bank, further enhancing our presence around Metro Atlanta," said Mark Abernathy, President of CSB. "We are fortunate to have this opportunity to serve the people of Conyers and Duluth and we look forward to welcoming our new clients and new team members into the CSB community."

For more information, please contact CSB at 1.800.901.8075 or visit www.myCSBonline.com.

About Community & Southern Bank

Community & Southern Bank (CSB) is one of Georgia's most well capitalized banks. CSB operates 40 branches in Metro Atlanta and across Georgia's northern, eastern and western counties and has more than $3.1 billion in assets. CSB is committed to passionately investing in our team members, our clients and our communities every day. To learn more about Community & Southern Bank, visit www.mycsbonline.com.


May 16, 2014

Community & Southern Announces Agreement to Acquire Alliance Bancshares, Inc.

Community & Southern Holdings, Inc. ("C&S Holdings") announced today that it has entered into a definitive agreement and plan of merger to acquire Alliance Bancshares, Inc. ("Alliance") and its wholly owned subsidiary, Alliance National Bank.

Alliance National Bank operates two banking offices in Dalton and Cumming, Georgia. At March 31, 2014, Alliance National Bank had approximately $157 million of total assets, $92 million of loans and $130 million of deposits.

"We are very pleased to announce the acquisition of Alliance National Bank," said Pat Frawley, Chief Executive Officer of C&S Holdings and its wholly-owned subsidiary, Community & Southern Bank ("CSB"). "This acquisition will position Community & Southern as the largest community bank in Dalton, a market that has proven its resilience following the downturn in the economy and the housing and flooring industries in particular. We are also excited to expand our presence in Forsyth County, one of Georgia's fastest growing markets. Alliance shares our commitment to serving our clients and our communities and we are excited to welcome them to the Community & Southern family. Jack Turner built a fine bank and we are honored to carry on his legacy of civic involvement and community service."

Andrew K. Walker, Sr., Chief Executive Officer of Alliance, stated, "We are very pleased to be joining the C&S team. This transaction is the culmination of many months of hard work and I am certain that my father-in-law would have been pleased to see it consummated. Our customers, employees and the communities we serve will all benefit from being part of Community & Southern Bank. Customers of Alliance National Bank can expect local decision making and the same quality of friendly customer service they have long enjoyed."

C&S Holdings has agreed to pay $13.60 per share in cash for all outstanding shares of Alliance. The agreement was unanimously approved by the Boards of Directors of both companies and is expected to close no later than the third quarter of 2014. Completion of the transaction is subject to certain closing conditions, including customary regulatory approvals and the approval by Alliance shareholders.

Alliance was advised by the investment banking firm The Burke Group and represented by the law firm of Stewart, Melvin & Frost. C&S Holdings was advised by the investment banking firm of Sterne, Agee & Leach, Inc. and represented by the law firm of Alston & Bird, LLP.


About Community & Southern Bank

Founded in January 2010, Community & Southern Bank (CSB) is an innovative, community bank offering an array of products and services for a diverse banking audience. CSB currently operates 38 banking offices in metropolitan Atlanta and across Georgia's northern, eastern and western counties and is a well-capitalized financial institution with more than $3.0 billion in assets. Our purpose is to passionately invest in our team members, our clients and our communities every day.




April 14, 2014

Community & Southern Holdings, Inc. Completes Acquisition of Verity Capital Group, Inc.

ATLANTA (April 16, 2014) – Community & Southern Holdings, Inc., the holding company of Community & Southern Bank (CSB), announced the completion of its acquisition of Verity Capital Group, Inc., the holding company of Verity Bank, after receiving all shareholder and regulatory approvals. With the addition of the two Verity Bank branches in Winder and Cornelia, Georgia, CSB's footprint will expand to 40 branches across metro Atlanta and North Georgia.


"The completion of the acquisition of Verity marks an important milestone in our bank's history as we complete our first open-bank acquisition. We are very pleased with the quality of the people and the bank we have combined with," said Pat Frawley, Chief Executive Officer of CSB. "Upon completion of the operational integration in the near future, the customers of Verity Bank will be able to use any of our locations across North Georgia."

"It was very important to partner with a financially strong organization that shared our community banking values," said John Lewis, Chief Executive Officer of Verity Bank. "Community & Southern has proven to be an excellent match. Their commitment to our customers and the markets we serve was apparent from the beginning."

Mark Abernathy, President of Community & Southern Bank, said, "We are delighted to welcome the customers and employees of Verity Bank to Community & Southern Bank. We look forward to working with Steven Smith and Bronson Lavender, two highly respected community bank leaders, and the entire Verity Bank team as we continue to build deep customer relationships in these markets."

FIG Partners, LLP served as financial advisor and Alston & Bird, LLP provided legal counsel to Community & Southern. Sandler O'Neill & Partners served as financial advisor and Bryan Cave, LLP provided legal counsel to Verity.


About Community & Southern Bank

Community & Southern Bank (CSB) is one of Georgia's most well capitalized banks. CSB operates 40 branches in Metro Atlanta and across Georgia's northern, eastern and western counties and has more than $2.9 billion in assets. CSB's core purpose is "to passionately invest in our team members, our clients and our communities every day."





September 4, 2013

Community & Southern Holdings, Inc. Announces Agreement to Acquire Verity Capital Group, Inc.

ATLANTA (September 4, 2013) – Community & Southern Holdings, Inc. ("C&S Holdings") announced today that it has entered into a definitive agreement and plan of merger with Verity Capital Group, Inc. ("VCG"). According to the terms of the Agreement, C&S Holdings will acquire all of the outstanding common stock of VCG for $11.80 per share.

VCG operates two banking offices through its wholly-owned banking subsidiary, Verity Bank, in Winder and Cornelia, Georgia. At June 30, 2013, Verity Bank had approximately $170 million of total assets, $114 million of loans and $144 million of deposits.


"We are very excited to announce our partnership with Verity Bank," said Pat Frawley, Chief Executive Officer of C&S Holdings and its wholly-owned subsidiary, Community & Southern Bank ("CSB"). "Verity's commitment to customers and the communities we serve, as well as a commitment to strong financial performance and credit quality, represents community banking at its finest."


John L. Lewis, Chief Executive Officer of VCG, stated, "We are extremely excited to be joining the Community & Southern team. It was of great importance to us to find a partner with strong values, a commitment to community banking, and outstanding financial strength. Our customers, employees and the communities we serve will all benefit from this transaction."


Mark Abernathy, President of CSB stated "Verity Bank has an excellent reputation throughout Barrow County, Habersham County and the other markets it serves. We are pleased to announce that, following the closing of the transaction, Steven F. Smith, President of Verity Bank, will serve as the Regional Bank President of our East Region. Smith confirms, "This partnership with Community & Southern will enhance our ability to fortify what Verity has been committed to building in Winder and Cornelia. Customers of Verity Bank can continue to expect local decision making and the same quality of friendly customer service they have long enjoyed." Additionally, Bronson Lavender will serve as Regional Sales and Service Executive for the East Region, continuing a strong leadership team tradition in the Verity Bank markets.


Upon the closing of the transaction, Verity Bank will merge into CSB. Completion of the transaction is subject to certain closing conditions, including customary regulatory approvals and the approval of the shareholders of VCG. The transaction is expected to close during the fourth quarter of 2013 with a system conversion for Verity customers occurring in January of 2014.


VCG was advised by the investment banking firm of Sandler O'Neill + Partners L.P. and the law firm of Bryan Cave, LLP. C&S Holdings was advised by the investment banking firm of FIG Partners, LLP and represented by the law firm of Alston & Bird, LLP.


About Community & Southern Bank

Founded in January 2010, Community & Southern Bank (CSB) is an innovative, community bank offering an array of products and services for a diverse banking audience. CSB currently operates 34 banking offices in metropolitan Atlanta and across Georgia's northern, eastern and western counties and is a well-capitalized financial institution with more than $2.6 billion in assets. Our purpose is to passionately invest in our team members, our clients and our communities every day.


Media Contact:

Jeff Whittington

678-293-1306

Jeff.Whittington@myCSBonline.com


August 19, 2013

Community & Southern Bank Announces Acquisition of Four Bank Offices from Essex Bank

ATLANTA (August 19, 2013) – Today Community & Southern Bank (CSB) announced it has entered into a Purchase and Assumption Agreement with Essex Bank to purchase Essex Bank's Georgia banking franchise, which is comprised of four branches located in Loganville, Snellville, Grayson and Covington, Georgia. Pursuant to the terms of the Purchase and Assumption Agreement, CSB will acquire approximately $192 million in deposits and no loans. The transaction is expected to close in the fourth quarter of 2013, subject to regulatory approval.


"We are very pleased to welcome these new clients to CSB and, in conjunction with Essex Bank, to provide them uninterrupted banking service," said Pat Frawley, Chief Executive Officer of CSB. "CSB shares a common commitment to customer service with Essex Bank and we look forward to serving our new clients and communities. Our vision is to become the financial institution of choice in our markets by exceeding the expectations of our clients and our communities."

Each of the acquired branches will become CSB branches upon closing the transaction. According to Frawley, "We are proud to have the opportunity to serve our new clients and our new markets. We believe in the advantages of community banking and we appreciate the strong ties this franchise has to the community. We look forward to working with the employees of Essex Bank as we continue to serve the needs of our clients and communities. We will work our hardest to make the transition for our new clients as smooth as possible."

About Community & Southern Bank

Founded in January 2010, Community & Southern Bank (CSB) is an innovative, community bank offering an array of products and services for a diverse banking audience. CSB currently operates 34 banking offices in metropolitan Atlanta and across Georgia's northern, eastern and western counties and is a well-capitalized financial institution with more than $2.6 billion in assets. Our purpose is to passionately invest in our team members, our clients and our communities every day.

Media Contact:

Lawanna Saxon

678-293-1313

Lawanna.Saxon@myCSBonline.com

January 1, 2013

FDIC Insurance Notice

Notice of Expiration of Temporary Full FDIC Insurance Coverage for noninterest-bearing Transaction Accounts

By operation of federal law, beginning Jan. 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning Jan. 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest bearing transaction accounts, visit www.fdic.gov/deposit.

Important Information for CSB Customers

FDIC insurance covers all deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit. FDIC insurance does not cover other financial products and services that banks may offer, such as stocks, bonds, mutual fund shares, life insurance policies, annuities or securities.

The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. The FDIC provides separate coverage for deposits held in different account ownership categories. Depositors may qualify for more coverage if they have funds in different ownership categories and all FDIC requirements are met.

For details on the requirements, go to www.fdic.gov/deposit.

To find out how much coverage you have at CSB Bank, go to www.myfdicinsurance.gov to use the FDIC Insurance Coverage Estimator.

October 30, 2012

COMMUNITY & SOUTHERN BANK DEPLOYS MOBILE BANKING APP

Mobile deposit feature highlights enhanced digital service for regional customers

ATLANTA (Oct. 30, 2012) – Community & Southern Bank (CSB) is joining an elite group of banks to offer mobile deposits with the introduction of its new mobile app – currently available for iPhones, Droids, Blackberry phones and tablets.

"As a financial institution that provides products and services to meet evolving customer needs, this app and its valuable features enhance instant usability and keep our growing client base in touch with the latest in mobile banking technology," says Jeff Whittington, chief banking officer for CSB.

In addition to mobile deposit, the CSB app allows users to view and search account history; transfer funds between accounts; pay bills; and access branch locations, as well as driving directions.

To enhance consumer knowledge and ensure customers understand how to navigate the available application, CSB will begin an in-branch promotion on Monday, Nov. 5. The promotion allows customers to register for a free iPhone in multiple branch locations, with winners being awarded by Dec. 31, 2012.

According to Pew Research, 32 percent of Americans have used a conventional mobile phone or smartphone to access the Internet, and nearly 58 million Americans access the web via mobile devices every day. Analysts predict that cell phone internet browsing will surpass computer browsing before 2015.

For more information on Community & Southern Bank's mobile application or to inquire about additional products and services, please visit myCSBonline.com or call the Customer Care Center at 801.901.8075.

July 20, 2012

SPECIAL ANNOUCEMENT: BANK ACQUISITIONS

Dear Valued CSB Customer,

As Chief Executive Officer of Community & Southern Bank ("CSB"), I am pleased to inform you of CSB's recent acquisition of First Cherokee State Bank in Woodstock, Georgia and Georgia Trust Bank in Buford, Georgia from the FDIC on July 20, 2012.

We are very excited to enter these markets as we continue to build our franchise and provide you with new and enhanced products, excellent customer service, and community support.

Thank you for your business and for the privilege of your continued trust as we move forward.

Sincerely,

Pat Frawley

Chief Executive Officer

May 10, 2012

SPECIAL SECURITY ALERT: DEBIT CARD FRAUD

CSB has become aware of an active debit card fraud event impacting a small group of customers. For your protection, signature-based transactions will be disabled from May 10th to May 12th in certain areas.

You will still be able to use your debit card for transactions requiring your PIN. If you have any questions or issues, please call us at 800.901.8075

March 9, 2012

SPECIAL SECURITY ALERT: DEBIT CARD FRAUD

CSB has become aware of an active debit card fraud event impacting a small group of customers. For your protection, signature-based transactions will be disabled from March 9th to March 11th in certain areas.

You will still be able to use your debit card for transactions requiring your PIN. If you have any questions or issues, please call us at 800.901.8075

October 1, 2011

SPECIAL SECURITY ALERT: ACH PAYMENT EMAIL SCAM

If you have received an e-mail about your ACH payment claiming to be from FDIC/NACHA, do not click on any links or open any attachments as there may be viruses attached.

Please notify CSB at 800.901.8075 as you might be receiving notifications from a phishing scam. See also: www.fdic.gov/news

February 1, 2011

SPECIAL SECURITY ALERT: DEBIT CARD FRAUD MONITORING

Community & Southern Bank has added a new fraud monitoring service to our debit card program. This system will monitor transactions on customers' cards 24 hours a day, seven days a week. This added layer of fraud protection is the latest effort to protect our card base from debit card fraud.

You may receive a call from the fraud monitoring center. Always use caution when sharing your personal information over the phone. The fraud center will not ask for more than the last four digits of your card number and Social Security number. If you are not sure if the call is valid, do not share your personal information. If you do not wish to respond to the fraud center call, your card will be deactivated until the transactions in question can be verified. You may call the bank to verify transactions during regular banking hours at 800.901.8075.

January 1, 2011

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to and separate from, the coverage of at least $250,000.00 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts or money market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

For more information about FDIC insurance coverage of transaction accounts, visit www.fdic.gov.