Virginia Heritage Bank

Strategy

Virginia Heritage Bank is engaged in the general commercial banking business at its location in Fairfax, Virginia, and also serves the surrounding Northern Virginia communities. Due to the integrated nature of Northern Virginia business with its surrounding communities and the technological capabilities of today's banking systems, the Bank will have the ability to serve selected clients throughout the greater Washington metropolitan area. The Bank offers a full range of business banking and related financial services focused primarily towards serving small to medium size businesses and the professional community. The Bank serves the employees and owners of these businesses as well as individual consumers who reside and work in its market area. The Bank serves the banking needs of its customers through highly professional, personalized product and service delivery methods. The Bank supports its personal service approach with the employment of advanced banking technologies. The Bank's Directors and employees believe that the marketing and delivery of friendly, personalized banking services enables the Bank to develop meaningful and long term customer relationships and, by doing so, create added value to these relationships.

The Bank will place its focus on, among other things: (1) becoming a prominent and responsible member of the local business community, (2) always remaining customer focused and competitive, (3) offering a customer-friendly array of products and services that meet or exceed customer needs, (4) employing a reliable and user friendly technological platform for product and service delivery, and (5) providing ongoing education about the Bank and its products and services for staff and customers.

The Bank employs a well-educated and motivated team of banking professionals, dedicated to providing customers with the best banking experience available. The bank's leadership team has extensive experience and a history of building successful client relationships. Through extensive and ongoing training, the bank will strive to create a customer service environment that encourages clients to expand their own banking relationship and to provide the best marketing available - word of mouth.

The Bank provides professionals, small and medium size businesses and consumers in its market area with responsive and modern banking services. These services will include open access to the Bank's decision makers. The officers and employees take the time necessary to understand the unique needs of each of its customers and develop the type of consultative relationship that customer's desire. The Bank employs advanced accounting and management software, a sophisticated business and consumer Internet platform incorporating full service banking systems, automated bill payment, on-line teller platform, 24-hour telephone customer service and ATM network availability.