Investment Services at Heritage Bank

CCF Holding Company, Inc. is a publicly traded corporation on the OTC Bulletin Board under the symbol "CCFH.OB" CCF Holding Company, Inc. is a bank holding company incorporated under the laws of the State of Georgia. The corporation was organized in 1995 in connection with a conversion of the underlying bank from a mutual to stock form of organization. Prior to this conversion, the bank, through its predecessors, commenced business in 1955.

Heritage Bank, a state chartered commercial bank, has been serving metro Atlanta's Southern Crescent since 1955. Heritage Bank is a commercial bank operating within the Southern Crescent of Atlanta, GA. Heritage Bank is a wholly owned subsidiary of CCF Holding Company, Inc. The independent community bank has six full service offices, features a well-rounded offering of commercial and consumer products, and is an active, involved member of the community it serves.