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EXHIBIT 99.6
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[LETTERHEAD OF CRESCENT BANKING COMPANY]
Dear Fellow Employee:
I am pleased to tell you about the Crescent Banking Company Dividend
Reinvestment and Stock Purchase Plan, which will enable employees of Crescent
Banking Company, or any of its subsidiaries, to regularly invest in our common
stock. As with any stock program, this Plan is completely voluntary, and you
should participate in the Plan only after carefully reading and reviewing the
enclosed Plan brochure and other materials.
Under the Plan, you may elect to have payroll deductions and voluntary cash
contributions invested in shares of our common stock. Dividends paid on your
shares in the Plan will be automatically reinvested in additional shares. All
brokerage fees for purchasing Crescent common stock will be paid by the Company.
Complete details of the services and benefits to participants in the Plan
are explained in the enclosed Plan brochure. If you have any questions about
the Plan after carefully reading and reviewing the enclosed brochure and other
materials, please call Gary Reece, Bonnie Boling, or myself at 706-692-2424 or
800-872-7941.
Sincerely,
/s/ J. Donald Boggus, Jr.
J. Donald Boggus, Jr.
President and CEO
