SAFE & SOUND® STAR RATINGS™

Memorandum on findings

HERITAGE BANK, THE

106 SOUTH MAIN STREET
LUCAMA, North Carolina 27851

STAR RATING: NR
Predictive Indicator NR
As of June 30, 2013
Federal Reserve System Identifier 376125


HOLDING COMPANY INFORMATION

This bank is not owned by a holding company.

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