The 2019 Annual Report of the Bureau of Financial Institutions Banks Credit

THE 2019 ANNUAL REPORT OF THE BUREAU OF FINANCIAL INSTITUTIONS

BANKS CREDIT UNIONS SAVINGS INSTITUTIONS TRUST COMPANIES

OPERATING IN VIRGINIA AT THE CLOSE OF BUSINESS DECEMBER 31, 2019

BUREAU OF FINANCIAL INSTITUTIONS STATE CORPORATION COMMISSION COMMONWEALTH OF VIRGINIA STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Table of Contents

Letter of Transmittal ...... 3...... Personnel ...... 4 ...... Officers of the Bureau of Financial Institutions / Legal Holidays ...... 5...... Organizational Chart ...... 6......

BANKS Deposits in Virginia Bank Offices ...... 7...... Consolidated Report of Condition ...... 8 ...... Consolidated Report of Income ...... 9 ...... Selected Data for State-Chartered Banks ...... 10 ...... Applications Received and/or Acted Upon ...... 13...... Status Changes ...... 16 ...... List by Name ...... 19......

SAVINGS INSTITUTIONS List by Name ...... 37......

CREDIT UNIONS Consolidated Report of Condition ...... 38 ...... Consolidated Report of Income ...... 39 ...... Selected Data for State-Chartered Credit Unions ...... 40...... Applications Received and/or Acted Upon ...... 42...... Status Changes ...... 43 ...... List by Name ...... 44......

2 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

STATE CORPORATION COMMISSION

JUDITH WILLIAMS JAGDMANN, Chairman

MARK C. CHRISTIE PATRICIA L. WEST

JOEL H. PECK, Clerk of the Commission

Report of the Bureau of Financial Institutions

Richmond, Virginia, December 31, 2019

TO THE STATE CORPORATION COMMISSION Richmond, Virginia

GREETINGS: I have the honor to submit herewith the 2019 Annual Report of the Bureau of Financial Institutions - Banks, Credit Unions, Savings Institutions, and Trust Companies.

Respectfully,

E. J. FACE, JR. Commissioner of Financial Institutions

3 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

BUREAU OF FINANCIAL INSTITUTIONS E. J. FACE, JR. Commissioner of Financial Institutions

ADMINISTRATION & LICENSING DUSTIN R. PHYSIOC Deputy Commissioner

DEPOSITORY SUPERVISION ROBERT W. HUGHES Deputy Commissioner

NON-DEPOSITORY SUPERVISION SUSAN E. HANCOCK Deputy Commissioner

4 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

OFFICERS THROUGH WHOM THE STATE CORPORATION COMMISSION HAS ADMINISTERED THE BANKING LAWS

Chief Examiner of Banks C. C. BARKSDALE, June 15, 1910 to February 15, 1919 JOHN T. GARRETT (Acting), February 16, 1919 to March 9, 1919 J. H. PINNER, March 10, 1919 to April 30, 1919 F. B. RICHARDSON, May 1, 1919 to July 31, 1923 M. E. BRISTOW, August 1, 1923 to July 14, 1927

Chief Deputy to the Commissioner of Insurance and Banking M. E. BRISTOW, July 15, 1927 to January 15, 1930

Commissioner of Insurance and Banking M. E. BRISTOW, January 16, 1930 to June 20, 1938

Commissioner of Banking M. E. BRISTOW, June 21, 1938 to January 31, 1939 MILTON R. MORGAN, February 1, 1939 to January 15, 1951 LOGAN R. RITCHIE, January 16, 1951 to June 30, 1965 THOMAS D. JONES, JR., July 1, 1965 to May 2, 1973 RALPH S. JESSEE (Acting), May 3, 1973 to January 24, 1974 THOMAS D. JONES, JR., January 25, 1974 to May 7, 1975 RALPH S. JESSEE (Acting), May 8, 1975 to December 14, 1976 THOMAS D. JONES, JR., December 15, 1976 to May 31, 1977 SIDNEY A. BAILEY, June 1, 1977 to June 30, 1978

Commissioner of Financial Institutions SIDNEY A. BAILEY, July 1, 1978 to June 30, 1997 E. J. FACE, JR., July 1, 1997 to Date

LEGAL HOLIDAYS In each year, the first day of January (New Year's Day), the Friday preceding the third Monday in January (Lee-Jackson Day), the third Monday in January (Martin Luther King, Jr. Day), the third Monday in February (George Washington Day), the last Monday in May (Memorial Day), the fourth day of July (Independence Day), the first Monday in September (Labor Day), the second Monday in October (Columbus Day and Yorktown Victory Day), the eleventh day of November (Veterans Day), the fourth Thursday in November and the Friday next following (Thanksgiving), the twenty-fifth day of December (Christmas Day), or whenever any of such days shall fall on a Saturday, the Friday next preceding such day, or whenever any of such days shall fall on Sunday, the Monday next following such day, and any day so appointed by the Governor of this Commonwealth or the President of the United States, shall be a legal holiday as to the transaction of all business (Title 2.2, Chapter 33, Code of Virginia).

5 STATE CORPORATION COMMISSION – BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

ORGANIZATIONAL CHART BUREAU OF FINANCIAL INSTITUTIONS

COMMISSIONER

OFFICE ADMINISTRATOR LEGISLATION RULES AND REGULATIONS

ADMINISTRATION & DEPOSITORY NON-DEPOSITORY LICENSING SUPERVISION SUPERVISION SECTION SECTION SECTION

Banks Consumer Finance New Institutions and Companies Bank Holding Companies Mortgage Lenders Acquisitions and Credit Unions Mortgage Brokers Mergers Mortgage Loan Savings Institutions Originators and Branch Applications Holding Companies Industrial Loan Associations Independent Trust License Applications Companies Payday Lenders Consumer Services - Annual Reports Depository Institutions Check Cashers

Economic Research Motor Vehicle Title Lenders

Public Information Credit Counseling Agencies Budget and Fiscal Management Money Transmitters

Data Resource and Records Consumer Services - Management Non-Depository Institutions

6 STATE CORPORATION COMMISSION – BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

DEPOSITS IN BANK OFFICES LOCATED IN VIRGINIA STATE AND NATIONAL 2009 – 20191

200

180

160

140

120

100

80 Dollars (in billions)

0 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

STATE BANKS NATIONAL BANKS

1 Includes deposits of Virginia banks and out-of state banks operating in Virginia

STATE CORPORATION COMMISSION – BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Consolidated Report of Condition for Virginia State-Chartered Banks As of December 31 (In Thousands of Dollars)

December 31, 2018 December 31, 2019 53 State Banks 51 State Banks 1,019 Branches 994 Branches

ASSETS Cash and balances due fr om depository institutions : ...... $3,852,127 $3,680,728 (1) Noninterest -bearing balances 907,867 881,673 (2) Interest -bearing balances ...... 2,944,260 2,799,055 Securities ...... 10,794,621 11,166,479 Federal funds sold & securities purchased under agreement to resell ...... 130,330 361,641 Loan and lease financing receivables: Loans and leases, net of unearned income ...... 58,689,846 63,358,630 LESS: Allowance for loan and lease losses ...... 466,643 470,138 Loans and leases, net of unearned income and allowance for losses ...... 58,223,203 62,888,492 Assets held in trading accounts ...... 19,461 54,444 Premises and fixed assets (including capitalized leases) ...... 1,075,757 1,307,661 Other real estate owned ...... 145,535 115,879 Intangible assets ...... 3,124,480 3,398,902 Other assets ...... 3,008,395 3,198,607 TOTAL ASSETS ...... $80,373,909 $86,172,833 LIABILITIES Deposits: In domestic offices $62,801,994 $67,691,460 (1) Noninterest -bearing ...... 15,296,828 17,198,837 (2) Interest -bearing ...... 47,505,166 50,492,623 In foreign offices, Edge and Agreement subsidiaries, and IBFs ... 0 0 (1) Noninterest -bearing ...... 0 0 (2) Interest -bearing ...... 0 0 Federal funds purchased and securities sold under agreement to repurchase ...... 418,651 359,199 Other borrowed money ...... 4,916,105 4,574,590 Notes and d ebentures subordinated to deposits ...... 254,440 253,000 Other liabilities ...... 580,311 846,511 TOTAL LIABILITIES ...... $68,971,501 $73,724,760 EQUITY CAPITAL Perpetual preferred stock ...... 1,109 1,109 Common stock ...... 477,678 438,597 Surplus ...... 7,283,998 7,894,505 Undi vided profits and capital reserves ...... 3,623,081 4,096,863 Noncontrolling interests in consolidated subsidiaries ...... 16,542 17,000 TOTAL EQUITY ...... $11,402,408 $12,448,074 TOTAL LIABILITIES AND EQUITY CAPITAL ...... $80,373,909 $86,172,833

8 STATE CORPORATION COMMISSION – BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Consolidated Report of Income for Virginia State-Chartered Banks For the Year Ended December 31 (In Thousands of Dollars)

2018 201 9

INTEREST INCOME: Interest on loans ...... $2,834,471 $3,101,017 Income from lease financing receivables ...... 318 532 Interest on balances due from depository institutions ...... 56, 825 71,903 Interest and dividends on securities ...... 265,925 307,317 Interest from assets held in trading accounts ...... 0 0 Interest on federal funds sold and securities purchased under agreements to resell ...... 3,560 5,439 Other Interest Income ...... 23,710 23,184 TOTAL INTEREST INCOME ...... 3,184,809 3,509,392

INTEREST EXPENSE: Interest on deposit s in domestic offices ...... 411,834 630,922 Interest on deposits in foreign offices, Edge and Agreement sub sidiaries, and IBFs ...... 0 0 Expense of federal funds purchased and securities sold under agreements to repurchase ...... 4,685 3,827 Interest on trading liabilities and other borrowed money ...... 94,184 93,728 Interest on notes and debentures subordinated to dep osits ...... 12,279 11,850 Other interest expense ...... 4,445 7,667 TOTAL INTEREST EXPENSE ...... 527,427 747,994

NET INTEREST INCOME ...... 2,657,382 2,761,398 Provision for loan and lease losses ...... 106,452 101,958

NONINTEREST INCOME: Income from fiduciary activiti es ...... 29,535 34,553 Service charges on depo sit accounts ...... 132,058 130,698 Trading revenue ...... 3,527 15,320 All other noninterest income ...... 586,765 658,479 TOTAL NONINTEREST INCOME ...... 751,885 839,050 Realized ga ins (losses) on securities ...... (986) 16,397

NONINTER EST EXPENSE: Salaries and employee benefits ...... 1,189,104 1,272,824 Expenses of premises and fixed assets (net of rental income) ... 251,539 261,088 Other noninterest expense ...... 711,324 764,223 TOTAL NONINTEREST EXPENSE ...... 2,151,967 2,298,135

INCOME BEFOR E INCOME TAXES AND EXTRA - ORDINARY ITEMS AND OTHER ADJUSTMENTS ...... 1, 149,862 1, 216,752 APPLICABLE INCOME TAXES ...... 217,664 218,378 INCOME BEFORE EXTRAORDINARY ITEMS AND OTHER ADJUSTMENTS ...... 932,198 998,374 EXTRAORDINARY ITEMS AND OTHER ADJUSTMENTS N ET OF INCOME TAXES ...... (3,165) (171 ) NET INCOME ...... $929,0 33 $998,203

9 STATE CORPORATION COMMISSION – BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Selected Data for Virginia State-Chartered Banks As of December 31, 2019

Bank Name Principal No. of Assets Deposits Equity Location Offices ($000) ($000) ($000) Atlantic Union Bank Richmond 149 17,516,056 13,316,361 2,775,889

Bank of Botetourt Buchanan 12 492,817 434,268 50,269

Bank of Clarke County* Berryville 13 871,277 772,533 92,257

Bank of the James* Lynchburg 18 725,686 650,009 66,257

Benchmark Community Kenbridge 16 711,852 634,302 74,302 Bank * Burke & Herbert Bank & Alexandria 25 2,865,974 2,395,903 353,528 Trust Company Carter Bank & Trust Martinsville 104 4,006,108 3,504,245 473,111

Chesapeake Bank* Kilmarnock 15 955,048 841,076 105,976

Citizens and Farmers Bank West Point 26 1,625,536 1,292,400 175,254

Citizens Bank and Trust Blackstone 12 411,643 344,462 54,425 Company * Community Bankers' Bank* Midlothian 1 138,659 94,756 18,226

Essex Bank* Richmond 24 1,431,111 1,164,259 158,506

Farmers & Merchants Bank* Timberville 14 812,941 643,313 89,467

Farmers & Merchants Bank New Castle 2 61,108 48,526 12,392 of Craig County * Farmers and Miners Bank* Pennington 6 133,374 113,754 19,155 Gap Farmers Bank* Windsor 7 476,543 386,610 58,939

First Bank* Strasburg 14 799,639 716,284 81,399

First Community Bank* Bluefield 62 2,796,982 2,353,910 399,294

First Sentinel Bank* Richlands 7 286,827 239,469 25,786

Frontier Community Bank* Waynesboro 2 135,338 117,029 13,905

FVCbank* Fairfax 12 1,534,009 1,291,142 194,914

* - Member of Federal Reserve 10 STATE CORPORATION COMMISSION – BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Selected Data for Virginia State-Chartered Banks As of December 31, 2019

Bank Name Principal No. of Assets Deposits Equity Location Offices ($000) ($000) ($000) Highlands Community Covington 3 152,671 131,519 20,567 Bank * John Marshall Bank* Reston 9 1,580,971 1,311,385 184,498

Lee Bank and Trust Pennington 4 149,829 122,194 23,080 Company Gap MainStreet Bank* Fairfax 6 1,277,238 1,073,589 148,731

Miners Exchange Bank* Coeburn 6 84,702 72,199 11,261

Movement Bank Danville 1 50,417 42,639 7,467

New Peoples Bank, Inc.* Honaker 20 705,233 622,283 69,463

Peoples Community Bank* Montross 5 192,370 171,754 17,661

Pioneer Bank* Stanley 7 228,363 196,356 26,496

Select Bank* Forest 4 255,278 220,135 23,986

SONABANK* Tappahannock 49 2,723,850 2,129,496 423,281

The Bank of Charlotte Phenix 4 140,768 118,676 21,934 County * The Bank of Fincastle Fincastle 8 221,295 190,784 28,180

The Bank of Marion* Marion 17 392,344 339,541 49,399

The Bank of Southside Carson 15 573,792 461,416 103,966 Virginia The Blue Grass Valley Bank Blue Grass 2 45,314 40,142 4,991

The Farmers Bank of Appomattox 5 235,751 199,226 33,598 Appomattox * The Fauquier Bank* Warrenton 11 721,670 622,737 70,312

The First Bank and Trust Lebanon 22 1,946,484 1,619,422 225,792 Company * The Freedom Bank of Fairfax 4 500,393 395,210 64,027 Virginia * Touchstone Bank* McKenney 13 468,080 382,924 47,219

* - Member of Federal Reserve 11 STATE CORPORATION COMMISSION – BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Selected Data for Virginia State-Chartered Banks As of December 31, 2019

Bank Name Principal No. of Assets Deposits Equity Location Offices ($000) ($000) ($000) Towne Bank Portsmouth 43 11,947,775 9,331,163 1,640,754

TruPoint Bank* Grundy 12 458,211 389,220 45,616

Trustar Bank Great Falls 2 132,029 80,693 50,542

United Bank* Fairfax 137 19,644,548 13,979,755 3,519,661

VCC Bank* Richmond 2 222,228 169,847 24,122

Village Bank Midlothian 9 537,715 444,214 53,768

Virginia Bank and Trust Danville 8 218,476 190,280 23,971 Company * Virginia Commonwealth Richmond 20 1,127,526 940,720 126,905 Bank * Virginia Partners Bank* Fredericksburg 5 448,984 347,330 46,575

* - Member of Federal Reserve 12 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Banks -- Applications Received and/or Acted Upon

New Banks

Received Institution Location Activity 10/19/18 VisionBank 8201 Greensboro Drive Withdrawn McLean, Fairfax County, VA 08/05/19 02/19/19 Trustar Bank 774 A Walker Road, Suite 220 Approved Great Falls, Fairfax County, VA 05/30/19

Mergers

Received Description Activity 11/26/18 Union Bank & Trust, Richmond, VA to merge into it Access National Bank Approved 01/11/19 03/15/19 Branch Banking and Trust Company, Winston-Salem, NC to merge into it SunTrust Bank No Objection 04/22/19 10/03/19 First Community Bank, Bluefield, VA to merge into it Highlands Union Bank Approved 12/17/19 10/09/19 Citizens and Farmers Bank, West Point, VA to merge into it Peoples Community Bank Approved 12/18/19

Acquisitions

Received Description Activity 05/07/18 George Matthew Garten to acquire control of Industrial Loan Company Withdrawn 03/11/19 11/26/18 Union Bankshares Corporation, Richmond, VA to acquire control of Access National Corporation Approved 01/11/19 12/21/18 American National Bankshares Inc., Danville, VA to acquire control of HomeTown Bankshares Approved Corporation 02/04/19 02/04/19 Delmar Bancorp, Salisbury, MD to acquire control of Virginia Partners Bank Approved 03/19/19 08/23/19 Blue Ridge Bankshares, Inc., Luray, VA to acquire control of Virginia Community Bankshares, Inc. Approved 10/11/19 10/03/19 First Community Bankshares, Inc. to acquire control of Highlands Bankshares, Inc. Approved 12/17/19 10/09/19 C&F Financial Corporation, West Point, VA to acquire control of Peoples Bankshares, Incorporated Approved 12/18/19

Branches

Received Institution Location Activity 01/14/19 Bank of Charles Town 446 Madison Trade Plaza SE No Objection Charles Town, WV Leesburg, Loudoun County, VA 01/25/19 02/04/19 Chesapeake Bank 10000 Courtview Lane Approved Kilmarnock, VA Chesterfield County, VA 03/06/19 02/04/19 Virginia Community Bank 104 South Main Street Approved Louisa, VA Gordonsville, Orange County, VA 02/19/19

13 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Banks -- Applications Received and/or Acted Upon

Branches

Received Institution Location Activity 02/11/19 Citizens Bank and Trust Company 2501 Anderson Highway Approved Blackstone, VA Powhatan County, VA 02/25/19 02/14/19 MainStreet Bank 1130 Connecticut Avenue NW Approved Fairfax, VA Washington, DC 03/01/19 02/19/19 Bank of the James 2101 Electric Road Approved Lynchburg, VA Roanoke County, VA 03/04/19 03/04/19 Select Bank & Trust Company 621 Nevan Road No Objection Dunn, NC City of Virginia Beach, VA 03/21/19 03/06/19 Towne Bank 1203 Duck Road Approved Suffolk, VA Duck, NC 03/26/19 03/13/19 Farmers Bank, Windsor, Virginia 821 North Battlefield Boulevard Approved Windsor, VA City of Chesapeake, VA 04/04/19 03/21/19 Bank of the James 550 Water Street Approved Lynchburg, VA City of Charlottesville, VA 04/05/19 06/03/19 Citizens and Farmers Bank 1001 East Byrd Street Approved West Point, VA City of Richmond, VA 06/20/19 06/06/19 SunTrust Bank 43340 Van Geison Terrace No Objection Atlanta, GA Ashburn, Loudoun County, VA 06/21/19 06/06/19 United Bank Chafin Building 517 9th. Street Approved Vienna, VA Huntington, WV 06/19/19 06/12/19 Summit Community Bank, Inc. 100 Akers Farm Road No Objection Moorefield, WV Christiansburg, VA 06/27/19 06/13/19 Branch Banking and Trust Company 21 Main Street No Objection Winston-Salem, NC Warrenton, Fauquier County, VA 06/27/19 07/17/19 Towne Bank 101 West Main Street, Suite 1000, Approved Suffolk, VA World Trade Center 08/07/19 City of Norfolk, VA 07/18/19 Movement Bank 9726 Old Bailes Road, Suite 129 Pending Danville, VA Fort Mill, SC 09/09/19 United Bank 3030 M Street, NW Approved Vienna, VA Washington, DC 10/08/19 09/10/19 Calvin B. Taylor Banking Co. of Berlin 4116 Main Street No Objection MD. Inc. Accomack County, VA 09/24/19 Berlin, MD 09/11/19 New Peoples Bank, Inc. 901 W. State Street Approved Honaker, VA City of Bristol, VA 10/08/19 09/30/19 City National Bank 8301 Greensboro Drive No Objection Los Angeles, CA McLean, VA 10/29/19 12/02/19 First Tennessee Bank National Association 21263 Lankford Highway No Objection Memphis, TN Cape Charles, VA 12/18/19 12/02/19 First Tennessee Bank National Association 114 W. Blue Ridge Steet No Objection Memphis, TN Stuart, VA 12/18/19 14 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Banks -- Applications Received and/or Acted Upon

Branches

Received Institution Location Activity 12/02/19 First Tennessee Bank National Association 410 Main Steet No Objection Memphis, TN South Boston, VA 12/18/19 12/02/19 First Tennessee Bank National Association 3000 Virginia Ave. No Objection Memphis, TN Collinsville, VA 12/18/19 12/02/19 First Tennessee Bank National Association 250 Commonwealth Blvd., W. No Objection Memphis, TN Martinsville, VA 12/18/19 12/02/19 First Tennessee Bank National Association 260 S. Main Street No Objection Memphis, TN Rocky Mount, VA 12/18/19 12/02/19 First Tennessee Bank National Association 13264 Booker T Washington Hwy. No Objection Memphis, TN Hardy, VA 12/18/19 12/02/19 First Tennessee Bank National Association 62 Market Steet No Objection Memphis, TN Onancock, VA 12/18/19 12/16/19 First Sentinel Bank 329 Ingleside Road Pending Richlands, VA Princeton, WV 12/20/19 Farmers Bank, Windsor, Virginia 1776 Princess Anne Road, Unit S Pending Windsor, VA City of Virginia Beach, VA

Branch Relocations

Received Institution Location Activity 06/06/19 SunTrust Bank From: 5701-B Duke Street Pending Atlanta, GA City of Alexandria, VA To: 6244A Little River Turnpike Alexandria, City of Alexandria, VA 08/29/19 Pinnacle Bank From: 36 Church Avenue, SW Pending Nashville, TN City of Roanoke, VA To: 202 Campbell Avenue SE Roanoke, City of Roanoke, VA 10/07/19 First Community Bank From: 747 Ft. Chriswell Road Approved Bluefield, VA Max Meadows, Wythe County, VA 10/21/19 To: 145 Ivanhoe Road Max Meadows, Wythe County, VA 12/11/19 Benchmark Community Bank From: East Third Street & South Street Pending Kenbridge, VA Farmville, Prince Edward County, VA To: 101 Midtown Avenue Farmville, Prince Edward County, VA

15 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Banks -- Status Changes

New Banks July 10 Trustar Bank opened for business at 774 A Walker Road, Suite 220, Great Falls, Fairfax County, VA

Mergers February 01 Union Bank & Trust, Richmond, VA merged into it Access National Bank December 31 First Community Bank, Bluefield, VA merged into it Highlands Union Bank

Mergers into National Banks April 01 HomeTown Bank, Roanoke, VA merged into American National Bank and Trust Company December 15 Virginia Community Bank, Louisa, VA merged into Blue Ridge Bank, National Association

Changes in Title May 17 Union Bank & Trust, Richmond, VA changed its name to Atlantic Union Bank

Branch Openings January 07 Benchmark Community Bank, Kenbridge, VA opened a branch office at 110 South College Street, Youngsville, NC January 22 Bank of the James, Lynchburg, VA opened a branch office at 45 South Main Street, City of Lexington, VA February 19 Fulton Bank, National Association, Lancaster, PA opened a branch office at 95 Community Street, Albemarle County, VA February 19 Towne Bank, Suffolk, VA opened a branch office at 2839 Charles Blvd., Greenville, NC March 21 First Bank and Trust Company, The, Lebanon, VA opened a branch office at 2695 Prices Fork Road, Blacksburg, Montgomery County, VA April 05 Virginia Community Bank, Louisa, VA opened a branch office at 104 South Main Street, Gordonsville, Orange County, VA April 15 Bank of Charles Town, Charles Town, WV opened a branch office at 446 Madison Trade Plaza SE, Leesburg, Loudoun County, VA June 03 Bank of the James, Lynchburg, VA opened a branch office at 550 Water Street, City of Charlottesville, VA June 10 Bank of the James, Lynchburg, VA opened a branch office at 2101 Electric Road, Roanoke County, VA June 27 Branch Banking and Trust Company, Winston-Salem, NC opened a branch office at 21 Main Street, Warrenton, Fauquier County, VA July 01 Select Bank & Trust Company, Dunn, NC opened a branch office at 621 Nevan Road, City of Virginia Beach, VA August 19 Farmers & Merchants Bank, Timberville, VA opened a branch office at 2782 Stuarts Draft Highway, Stuarts Draft, Augusta County, VA August 20 JPMorgan Chase Bank, National Association, Columbus, OH opened a branch office at 106 North Washington Street, City of Alexandria, VA August 20 Towne Bank, Suffolk, VA opened a branch office at 101 West Main Street, Suite 1000, World Trade Center, City of Norfolk, VA September 23 Citizens Bank and Trust Company, Blackstone, VA opened a branch office at 2501 Anderson Highway, Powhatan County, VA 16 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Banks -- Status Changes

Branch Openings September 24 Calvin B. Taylor Banking Co. of Berlin MD. Inc., Berlin, MD opened a branch office at 4116 Main Street, Accomack County, VA October 01 JPMorgan Chase Bank, National Association, Columbus, OH opened a branch office at 1300 Chain Bridge Rd, McLean, Fairfax County, VA October 01 JPMorgan Chase Bank, National Association, Columbus, OH opened a branch office at Ballston Randolph St. and Wilson Blvd., Arlington County, VA November 12 Towne Bank, Suffolk, VA opened a branch office at 802 Green Valley Road, Suite 100, Greensboro, NC November 13 Bank of the James, Lynchburg, VA opened a branch office at 13 Village Highway, Rustburg, Campbell County, VA December 18 Farmers Bank, Windsor, Virginia, Windsor, VA opened a branch office at 821 North Battlefield Boulevard, City of Chesapeake, VA

Main Office Redesignations April 18 Virginia Community Bank, Louisa, VA redesignated its main office from State Route 22 & U.S. Route 33, Louisa, Louisa County, VA to 408 E. Main Street, Louisa, Louisa County, VA

Branch Relocations January 22 First Community Bank, Bluefield, VA relocated a branch office from 102 Wall Street SW, Abingdon, Washington County, VA to 271 West Main Street, Abingdon, Washington County, VA February 19 Towne Bank, Suffolk, VA relocated a branch office from 9961 Iron Bridge Road, Chesterfield County, VA to 9761 Iron Bridge Road, Chesterfield County, VA May 22 Bank of Botetourt, Troutville, VA relocated a branch office from 3214 Electric Road, Suite 107, Roanoke County, VA to 3232 Electric Road, Roanoke County, VA September 09 Pinnacle Bank, Nashville, TN relocated a branch office from 36 Church Avenue, SW, City of Roanoke, VA to 202 Campbell Avenue SE, Roanoke, City of Roanoke, VA December 23 Manufacturers and Traders Trust Company, Buffalo, NY relocated a branch office from 1861 Wiehle Avenue, Reston, Fairfax County, VA to 1886 Metro Center Drive, Reston, Fairfax County, VA

Branch Closings January 01 Virginia Community Bank, Louisa, VA closed its branch office at State Route 22 & U.S. Route 33, Louisa, Louisa County, VA January 31 First Bank, Strasburg, VA closed its branch office at 496 North Main Street, Woodstock, Shenandoah County, VA February 28 Virginia Commonwealth Bank, Richmond, VA closed its branch office at 1421 City Point Road, City of Hopewell, VA April 30 Touchstone Bank, Prince George, VA closed its branch office at 851 South Beckford Drive, Suite A, Henderson, NC April 30 Bank of the James, Lynchburg, VA closed its branch office at 1430 Rolkin Court, Suite 203, Albemarle County, VA May 17 Atlantic Union Bank, Richmond, VA closed its branch office at 37 E. Main Street, Warrenton, Fauquier County, VA May 20 Union Bank & Trust, Richmond, VA closed its branch office at 1600 Forest Avenue, Henrico County, VA May 31 Essex Bank, Henrico, VA closed its branch office at 10509 Judicial Drive, Suite 100, City of Fairfax, VA 17 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Banks -- Status Changes

Branch Closings July 19 Bank of the James, Lynchburg, VA closed its branch office at 615 Church Street, City of Lynchburg, VA July 22 Citizens and Farmers Bank, West Point, VA closed its branch office at 2500 Promenade Parkway, Midlothian, Chesterfield County, VA August 02 Essex Bank, Henrico, VA closed its branch office at 1496 Anderson Highway, Cumberland, Cumberland County, VA September 13 Atlantic Union Bank, Richmond, VA closed its branch office at 1553 George Washington Memorial Hwy, Gloucester Point, Gloucester County, VA September 13 Atlantic Union Bank, Richmond, VA closed its branch office at 4037 East Little Creek Road, City of Norfolk, VA September 13 Atlantic Union Bank, Richmond, VA closed its branch office at 433 US Highway 64 East, Plymouth, NC September 13 Atlantic Union Bank, Richmond, VA closed its branch office at 712 Liberty Street, City of Chesapeake, VA September 13 Atlantic Union Bank, Richmond, VA closed its branch office at 1006 Hardy Road, Vinton, Roanoke County, VA October 11 United Bank, Vienna, VA closed its branch office at 473 Camden Road, Huntington, WV November 08 Village Bank, Midlothian, VA closed its branch office at 1120 Huguenot Road, Midlothian, Chesterfield County, VA November 14 United Bank, Vienna, VA closed its branch office at 7787 Leesburg Pike, Fairfax County, VA November 15 Carter Bank & Trust, Martinsville, VA closed its branch office at 110 South Market Street, City of Danville, VA November 15 Carter Bank & Trust, Martinsville, VA closed its branch office at 345 North Bridge Street, Jonesville, NC November 15 Carter Bank & Trust, Martinsville, VA closed its branch office at 2009 East Dixon Boulevard, Shelby, NC December 18 Farmers Bank, Windsor, Virginia, Windsor, VA closed its branch office at 1403 Greenbrier Parkway, Suite 110, City of Chesapeake, VA

18 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Banks -- List by Name

Atlantic Union Bank Atlantic Union Bank (Continued) 1051 E. Cary Street, Suite 1200 City of Virginia Beach Richmond 23219 2098 Princess Anne Road C.E.O.- John C. Asbury 3001 Shore Drive Cashier- Robert M. Gorman, Chief Financial Officer 5472 Indian River Road Offices 641 Lynnhaven Parkway, Suite 101 City of Alexandria 713 Independence Blvd. 2050 B Ballenger Avenue City of Waynesboro City of Charlottesville 100 Lucy Lane 2151 Barracks Road 251 North Poplar Street 400 East Main Street City of Winchester City of Chesapeake 1738 Amherst Street 1500 Mt Pleasant Road Accomack County 201 Volvo Parkway 6350 Maddox Boulevard, Chincoteague 239 Battlefield Boulevard South 25253 Lankford Highway, Onley 4108 Portsmouth Boulevard Albemarle County 852 N. George Washington Highway 3290 Worth Crossing, Forest Lakes City of Colonial Heights 1658 State Farm Boulevard 3099 Boulevard 410 Gander Road City of Covington Arlington County 450 West Main Street 2300 Wilson Bouelavard, Suite 100 City of Fredericksburg Augusta County 2811 Fall Hill Avenue 2600 Stuarts Draft Highway, Stuarts Draft 725 Kenmore Avenue 374 Lee Highway, Verona City of Harrisonburg 115 Lee Jackson Highway 390 University Boulevard Bedford County 440 South Main Street 125 West Main Street, Bedford City of Lynchburg 14915 Forest Road, Forest 2102 Langhorne Road 14739 Moneta Road, Moneta City of Newport News Caroline County 603 Pilot House Drive, Suite 100 211 N Main Street, Bowling Green City of Norfolk 7349 Ladysmith Road, Ladysmith 539 21st Street Chesterfield County 999 Waterside Drive Suite 101 10620 Iron Bridge Road, Chester City of Radford 12204 Bermuda Crossroad Lane, Chester 50 West Main Street 11101 Hull Street Road, Midlothian City of Richmond 13700 Midlothian Turnpike, Midlothian 1051 East Cary Street, Suite 1200 * 6030 Harbour Park Drive, Midlothian 3556 W. Cary Street 11101 Midlothian Turnpike 5300 Patterson Avenue 209 Stonebridge Plaza Avenue Three James Center, 1051 East Cary Street, Suite 103 9027 Forest Hill Avenue City of Roanoke Culpeper County 111 Franklin Road 102 S Main Street, Culpeper 3804 Brandon Avenue, SW 231 Southgate Shopping Center, Culpeper City of Salem 717 James Madison Highway 1251 West Main Street Essex County City of Staunton 1649 Tappahannock Boulevard, Tappahannock 2307 West Beverly Street 1660 Tappahannock Boulevard, Tappahannock 24 South Augusta Street Fairfax County City of Suffolk 4221 Walney Road, Suite 120, Chantilly 1000 N. Main Street 2325 Dulles Corner Boulevard, Suite 500, Herndon 2825 Godwin Boulevard 1800 Robert Fulton Drive, Suite 105, Reston 3535 Bridge Road 5803 Rolling Road, Springfield City of Virginia Beach 8221 Old Courthouse Road, Suite 100, Vienna 1580 Laskin Road * Legal main office 19 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Banks -- List by Name

Atlantic Union Bank (Continued) Atlantic Union Bank (Continued) Fauquier County Montgomery County 8331 West Main Street, Marshall 50 North Franklin Street, Christiansburg 216 Broadview Avenue, Warrenton 4055 Riner Road, Riner 530 Blackwell Road, Warrenton Nelson County Floyd County 124 Main Street, Lovingston 680 East Main Street, Floyd Northampton County Fluvanna County 22468 Lankford Highway, Cape Charles 5980 Thomas Jefferson Parkway, Palmyra 4071 Lankford Highway, Exmore Franklin County Northumberland County 369 Franklin Street, Rocky Mount 15043 Northumberland Highway, Burgess Giles County Orange County 605 Wenonah Avenue, Pearisburg 134 North Main Street, Gordonsville Gloucester County 36081 Goodwin Drive, Locust Grove 6720 Sutton Road, Gloucester Prince William County Greensville County 8190 Stonewall Shops Square, Gainesville 100 Dominion Drive 8525 Rolling Road, Suite 100, Manassas Hanover County Pulaski County 302 Ashcake Road, Ashland 2 Town Center Drive, Dublin 9665 Sliding Hill Road, Ashland Rappahannock County 6479 Mechanicsville Turnpike, Mechanicsville 7 Bank Road, Washington 8300 Bell Creek Road, Mechanicsville Richmond County 9534 Chamberlayne Road, Mechanicsville 4256 Richmond Road, Warsaw Henrico County 5839 Richmond Road, Warsaw 11163 Nuckols Road, Glen Allen Roanoke County 11263 West Broad Street, Glen Allen 3605 Electric Road 12090 West Broad Street 7337 Williamson Road NW 1601 Willow Lawn Drive, Suite 701 Rockbridge County 1773 North Parham Road 1197 Lee Highway 4390 S. Laburnum Avenue Rockingham County 7019 F Three Chopt Road 106 6th. Street, Grottoes 8209 West Broad Street Spotsylvania County 5510 Morris Road, Thornburg 8983 Staples Mill Road 10131 Jefferson Davis Highway 9605 Gayton Road James City County 10415 Courthouse Road 4960 Monticello Avenue 4109 Plank Road 5125 John Tyler Highway 4805 Lassen Lane King George County 5831 Plank Road 10045 Kings Highway, King George Stafford County King William County 1044 Warrenton Road 3708 Richmond Tappahannock Hwy, Manquin 622 Cambridge Street Lancaster County Warren County 284 North Main Street, Kilmarnock 473 South Street, Front Royal Loudoun County Westmoreland County 43325 Junction Plaza, Ashburn 840 McKinney Boulevard, Colonial Beach 102 Catoctin Circle Southeast, Leesburg 17191 King's Highway, Montross 538 Fort Evans Road Northeast, Leesburg Wythe County 111 West Washington Street, Middleburg 900 North 4th Street, Wytheville 431 East Main Street, Purcellville York County Madison County 5030 George Washington Memorial Hwy, Grafton 1174 North Main Street, Madison Maryland Montgomery County 103 Pocomoke Marketplace, Pocomoke 601 North Main Street, Blacksburg 1503 S. Salisbury Boulevard, Salisbury 105 Arbor Drive, Christiansburg North Carolina 322 South Broad Street, Edenton 1675 Roanoke Street, Christiansburg * Legal main office 20 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Banks -- List by Name

Atlantic Union Bank (Continued) Bank of Clarke County (Continued) North Carolina Clarke County 1145 North Road Street, Elizabeth City 2 East Main Street, Berryville * 1404 West Ehringhaus Street, Elizabeth City 400 McNeil Drive, Berryville 5406 North Croatan Highway, Kitty Hawk 108 West Main Street, Boyce 100 Moyock Commons Drive, Moyock Frederick County 2235 Gateway Access Point, Raleigh 382 Fairfax Pike, Stephens City 110 Crock Wells Mill Drive Bank of Botetourt 1460 North Frederick Pike P O Box 615 1508 Senseny Road Troutville 24175-0615 1879 Berryville Pike C.E.O.- G. Lyn Hayth, III, President Loudoun County Cashier- Michelle A. Crook, Chief Financial Officer 44810 Saranac Street, Ashburn Offices 504 E. Market Street, Leesburg City of Salem 203 Hirst Road, Purcellville 231 S. College Avenue Botetourt County Bank of Fincastle, The 19747 Main Street, Buchanan * P O Box 107 140 Town Center Street, Daleville Fincastle 24090-0107 58 Railroad Avenue, Eagle Rock C.E.O.- C. Scott Steele, President 60 Lee Highway North, Troutville Cashier- Michael J. Jasper, Chief Financial Officer Franklin County Offices 51 Firstwatch Drive, Moneta Bedford County Roanoke County 1387 American Way Court, Bedford 3130 Peters Creek Road NW Botetourt County 3232 Electric Road 614 Lee Highway, Cloverdale 3801 Challenger Avenue 1618 Roanoke Road, Daleville Rockbridge County 200 The Glebe Boulevard, Daleville 5905 N. Lee Highway, Fairfield SW corner of U.S. Route 220 and, State Route 674, 9 Lloyd Tolley Road, Natural Bridge Station Daleville 65 East Midland Trail 17 South Roanoke Street, Fincastle * 5192 Lee Highway S., Troutville Bank of Charlotte County, The 98 Blue Ridge Boulevard P O Box 336 Phenix 23959-0336 Bank of Marion, The C.E.O.- Dabney T. P. Gilliam, Jr. P O Box 1067 Offices Marion 24354-1067 Campbell County C.E.O.- Christopher B. Snodgrass, President 308 Lynchburg Avenue, Brookneal Offices Charlotte County City of Bristol Main Street, Charlotte Courthouse 7 Clear Creek Road 26 King Street, Keysville Russell County 101 Berkley Street, Phenix * 36 Library Drive, Honaker Scott County Bank of Clarke County 196 East Jackson Street, Gate City P O Box 391 2768 US Highway 23 North, Weber City Berryville 22611-0391 Smyth County C.E.O.- Brandon C. Lorey 1155 E. Lee Highway, Chilhowie Cashier- Kathleen J. Chappell, Chief Financial Officer 101 East Main Street, Marion Offices 102 West Main Street, Marion * City of Winchester 1026 S. Main Street, Marion 202 North Loudoun Street 111 North Church Street, Marion 2555 Pleasant Valley Road 1600 North Main Street, Marion 101 Bank Street, Saltville * Legal main office 21 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Banks -- List by Name

Bank of Marion, The (Continued) Bank of the James (Continued) Washington County City of Lexington 201 Valley Street, Abingdon 45 South Main Street 744 Beaver Dam Avenue, Suite A, Damascus City of Lynchburg 656 S. Monte Vista Drive, Glade Spring 4935 Boonsboro Road, Suite C Wythe County 501 V.E.S. Road 787 Fort Chiswell Road, Suite 7, Max Meadows 5204 Fort Avenue 512 North Main Street, Rural Retreat 828 Main Street * Tennessee Albemarle County 2867 Boones Creek Road, Johnson City 225 Merchant Walk Avenue 250 Pantops Mountain Road Bank of Southside Virginia, The Amherst County P O Box 40 164 South Main Street, Amherst Carson 23830-0040 4698 S. Amherst Highway, Madison Heights C.E.O.- J. Peter Clements, President Appomattox County Cashier- Carol C. Chappell 1745 Confederate Boulevard, Appomattox Offices Bedford County City of Colonial Heights 1405 Ole Dominion Boulevard, Bedford 764 East Ellerslie Ave 17000 Forest Road, Forest City of Franklin Campbell County Southampton Shopping Center, 1310 Armory Drive 1110 Main Street, Altavista City of Petersburg 13 Village Highway, Rustburg 2703 South Crater Road Roanoke County Chesterfield County 2101 Electric Road 4310 W. Hundred Road, Chester 3562 Electric Road Dinwiddie County 17208 Halligan Park Road, Carson * Benchmark Community Bank 14003 Boydton Plank Road P O Box 569 U.S. Route 1 and State Route 226 Kenbridge 23944-0569 Greensville County C.E.O.- Jay A. Stafford U.S. Route 58 & State Route 686 Cashier- Edwin Neil Burke, Chief Financial Officer Isle of Wight County Offices 115 Main Street, Smithfield City of Emporia Prince George County 316 W. Atlantic Street 6400 Courthouse Road Brunswick County Southampton County 220 W. Fifth Avenue, Lawrenceville 18207 Virginia Avenue, Boykins Halifax County 23003 Main Street, Capron 290 South Main Street, Halifax Sussex County 1135 Huell Matthews Highway, South Boston Main Street, Stony Creek Lunenburg County 630 N. County Drive, Wakefield 204 S. Broad Street, Kenbridge * Jarrett Avenue 1910 Main Street, Victoria Mecklenburg County Bank of the James 845 E. Second Street, Chase City 828 Main Street 133 College Street, Clarksville Lynchburg 24504-1525 905 North Mecklenburg Avenue, South Hill C.E.O.- Robert R. Chapman, III, President Nottoway County Cashier- J. Todd Scruggs, Chief Financial Officer 400 Church Street, Blackstone Offices 1500-1508 W. Virginia Avenue, Crewe City of Charlottesville Prince Edward County 550 Water Street East Third Street & South Street, Farmville City of Harrisonburg Southwest Corner of Main Street, and Milnwood Road, 1391 South High Street Farmville North Carolina 1775 Graham Avenue, Suite 105, Henderson * Legal main office 22 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Banks -- List by Name

Benchmark Community Bank (Continued) Burke & Herbert Bank & Trust Company (Continued) North Carolina Prince William County 12335 Wake Union Church Road, Unit 206, Wake 4605 Daisy Reid Avenue Forest 110 South College Street, Youngsville Carter Bank & Trust 1300 Kings Mountain Road Blue Grass Valley Bank, The Martinsville 24112-7268 P. O. Box 6 C.E.O.- Litz H. Van Dyke Blue Grass 24413-0006 Cashier- Jane Ann Davis, Executive Vice President C.E.O.- Tina G. Blagg Offices Offices City of Bristol Highland County 18 Midway Street 6 Main Street, Blue Grass * City of Charlottesville South Side of East Main Street, two blocks east of U.S. 1113 5th Street SW Route 220, Monterey 800 Gardens Boulevard City of Danville Burke & Herbert Bank & Trust Company 140 Kentuck Road P O Box 268 141 Westover Drive Alexandria 22313-0268 3060 North Main Street C.E.O.- Edmund Hunt Burke, Chairman of the Board 903 South Main Street Cashier- Jeffrey L. Stryker, Senior Executive Vice President City of Galax Offices 118 North Main Street City of Alexandria 543 East Stuart Drive 100 South Fairfax Street * City of Harrisonburg 155 North Paxton Street 2169 South Main Street 1705 Fern Street 75 North Mason Street 1775 Jamieson Avenue City of Lynchburg 306 East Monroe Avenue 1728 Graves Mill Road 621 King Street 2018 Tate Springs Road City of Falls Church 3515 Campbell Avenue 225 West Broad Street City of Martinsville City of Manassas 4 East Commonwealth Boulevard * 9103 Centreville Road City of Radford Arlington County 1900 East Main Street 3030 Clarendon Boulevard City of Roanoke 500 South 23rd Street 1722 Hershberger Road NW Fairfax County 2657 Peters Creek Road NW 4235 Annandale Road, Annandale 3132 Electric Road SW 9516 Old Keene Mill Road, Burke 4143 Franklin Road SW 14122 Lee Highway, Centreville 4806 Hollins Road NW 6705 Whittier Avenue, McLean 616 9th Street SE 6200 Backlick Road, Springfield City of Salem 302 Maple Avenue West, Vienna 1400 Electric Road City of Staunton 2604 Sherwood Hall Lane 478 Frontier Drive 5519 Franconia Road City of Waynesboro 5705 Seminary Road 2701 West Main Street 5731 Telegraph Road Amherst County 6210 Interparcel Road 221 Ambriar Drive, Amherst 8736-38 Cooper Road 4498 South Amherst Highway, Madison Heights Prince William County Bedford County Northeast Corner of U.S. Route 1 and, Wayside Drive, 1621 Forest Road, Bedford Dumfries 550 Blue Ridge Avenue, Bedford 14008 Smoketown Road, Woodbridge 8334 Moneta Road

* Legal main office 23 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Banks -- List by Name

Carter Bank & Trust (Continued) Carter Bank & Trust (Continued) Botetourt County Rockingham County 721 Blue Ridge Boulevard 317 North Main Street, Bridgewater Campbell County Russell County 3203 Waterlick Road 82 E. Main Street, Lebanon Carroll County Spotsylvania County 220 Main Street, Hillsville 10407 Courthouse Road, Spotsylvania Craig County 1204 Bragg Road 300 Main Street, New Castle Stafford County Culpeper County 175 Warrenton Road, Falmouth 806 Nottingham Street, Culpeper 2155 Jefferson Davis Highway, Stafford Floyd County 55 Worth Avenue, Stafford 213 North Locust Street, Floyd 70 Chatham Heights Road Franklin County Tazewell County 50 Boones Mill Road, Boones Mill 1082 Cedar Valley Drive, Cedar Bluff 9440 Franklin Street, Ferrum 901 East Fincastle Turnpike, Tazewell 135 Scruggs Road, Moneta Washington County 400 Franklin Street, Rocky Mount 238 West Main Street, Abingdon Grayson County Wise County 449 East Main Street, Independence 3052 Fourth Avenue, St. Paul Halifax County Wythe County 222 Main Street, South Boston 325 East Spring Street, Wytheville 4013 Halifax Road, South Boston North Carolina Henry County 1425 North Fayetteville Street, Asheboro 11020 Virginia Avenue, Bassett 106 South Broad Street, Burlington 2770 Riverside Drive, Bassett 1534 North Church Street, Burlington 128 Paul Street, Collinsville 630 Fagg Drive, Eden 4259 Appalachian Drive, Fieldale 123 Rowan Street, Fayetteville 166 Horsepasture Price Road, Ridgeway 697 Country Club Drive, Fayetteville 140 Tensbury Drive 704 Oak Street, Forest City 6142 A.L. Philpott Highway 4004 West Wendover Avenue, Greensboro Mecklenburg County 5715 High Point Road, Greensboro 749 East 2nd Street, Chase City 2100 West Arlington Boulevard, Greenville 1002 Virginia Avenue, Clarksville 300 Dabney Drive Ext., Henderson 302 East Atlantic Street, South Hill 821 4th Street Drive SW, Hickory Montgomery County 341 East Main Street, Lincolnton 105 King Street, Blacksburg 205 South Bickett Boulevard, Louisburg 200 College Street NW, Christiansburg 604 North Chestnut Street, Lumberton 370 Arbor Drive, Christiansburg 231 East Plaza Drive, Mooresville Patrick County 301 Carbon City Road, Morganton 125 East Blue Ridge Street, Stuart 507 Willow Street, Mount Airy Pittsylvania County 305 South Main Street, Reidsville 5406 U.S. 29 North, Blairs 823 North Main Street, Roxboro 140 South Main Street, Chatham 1001 South Horner Boulevard, Sanford 307 South Main Street, Gretna 101 East Raleigh Street, Siler City Prince William County 12791 Harbor Drive, Lake Ridge 107 South Henry Street, Stoneville 12912 Fitzwater Drive, Nokesville 1606 Curtis Bridge Road, Wilkesboro 8402 Sudley Road 200 Forest Hills Road, Wilson Pulaski County 998 Memorial Drive, Pulaski Roanoke County 1111 East Washington Avenue, Vinton Rockbridge County 116 East Midland Trail * Legal main office 24 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Banks -- List by Name

Chesapeake Bank Citizens Bank and Trust Company (Continued) P O Box 1419 Prince Edward County Kilmarnock 22482-1419 1712 S. Main Street, Farmville C.E.O.- Jeffrey M. Szyperski, President Cashier- John H. Hunt, II, Executive Vice President Citizens and Farmers Bank Offices P O Box 391 City of Richmond West Point 23181-0391 5501 Patterson Avenue C.E.O.- Larry G. Dillon, Chairman of the Board City of Williamsburg Cashier- Thomas F. Cherry, President 1229 Lafayette Street Offices Gloucester County City of Charlottesville 6793 George Washington Memorial Hwy, Gloucester 304 East Main Street 3029 George Washington Memorial Hwy, Hayes City of Hampton Henrico County 1927 C&F Drive 1900 Lauderdale Drive City of Newport News 2300 Cedarfield Pkwy 698 Town Center Drive James City County City of Williamsburg 6619 Richmond Road, Lightfoot 1167 Jamestown Road 4492 John Tyler Highway Chesterfield County 5700 Williamsburg Landing Drive 4820 West Hundred Road, Chester 6000 Patriots Colony Drive 13200 Midlothian Turnpike, Midlothian Lancaster County 1400 Alverser Plaza, Midlothian 10 Lancaster Drive, Irvington 4901 Millridge Parkway East, Midlothian King Carter Drive and Tavern Road, Irvington Cumberland County 97 North Main Street, Kilmarnock * 2288 Cartersville Road, Cartersville State Routes 3 and 201, Lively 1422 Anderson Highway Mathews County Goochland County State Routes 198 and 14, Mathews 12308 Patterson Avenue Hanover County Citizens Bank and Trust Company 7021 Mechanicsville Turnpike, Mechanicsville 126 South Main Street Henrico County Blackstone 23824-1842 100 East Williamsburg Road, Sandston C.E.O.- Joseph D. Borgerding, President State Route 5 and Strath Road, Varina Cashier- Geoffrey C. Warner, Chief Financial Officer 3490 Lauderdale Drive Offices 8001 West Broad Street City of Colonial Heights James City County 497 Southpark Circle N.E. Corner of U.S. Route 60 and State Route 607, Amelia County Norge State Route 38 & Church Street, Amelia 4780 Longhill Road Chesterfield County King William County 12101 Olivers Way, Chester 14th & Main Streets, West Point Mecklenburg County 802 Main Street, West Point * 622 E. Atlantic Street, South Hill Middlesex County Nottoway County SW Corner of the Intersection of State Route 33 & 101 N Main Street (D-I), Blackstone State Route 227 126 S Main Street, Blackstone * New Kent County State Routes 40 & 46, Blackstone U.S. Route 60 & State Route 155, Providence Forge Agnew Street & Namozine Avenue, Burkeville State Route 249, Quinton Powhatan County 210 Carter Street, Crewe 2351 Anderson Highway, Powhatan Powhatan County 2501 Anderson Highway 2036 New Dorset Road Prince Edward County York County 1517 West Third Street, Farmville 2800 George Washington Memorial Hwy

* Legal main office 25 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Banks -- List by Name

Community Bankers' Bank FVCbank P O Box 268 11325 Random Hills Road, Suite 240 Midlothian 23113-0268 Fairfax 22030-6043 C.E.O.- G. William Beale, President C.E.O.- David W. Pijor, Chairman of the Board Cashier- Stephen R. Kinnier, Chief Financial Officer Cashier- Patricia A. Ferrick, President Offices Offices Chesterfield County Arlington County 2601 Promenade Parkway, Midlothian * 2500 Wilson Boulevard Fairfax County Essex Bank 11260 Roger Bacon Drive, Suite 101, Reston 9954 Mayland Dr., Suite 2100 6975A Springfield Boulevard, Springfield Henrico 23233-1482 11325 Random Hills Road * C.E.O.- Rex L. Smith, III, President Loudoun County Cashier- Bruce E. Thomas, Chief Financial Officer Loudoun Station, Building A, 43800 Central Station Offices Drive, Suite 150, Ashburn City of Lynchburg Prince William County 3638 Old Forest Road 7900 Sudley Road Campbell County District of Columbia 21437 Timberlake Road 1301 9th Street, NW, Washington Chesterfield County Maryland Stonehenge Village, 12640 Stone Village Way, 224 Albemarle Street, Baltimore Midlothian 6929 Arlington Road, Bethesda 2730 Buford Road 1600 East Gude Drive, Rockville Essex County 7901 Eastern Avenue, Silver Spring 1325 Tappahannock Boulevard, Tappahannock Goochland County Farmers & Merchants Bank 1949 Sandy Hook Road, Goochland P O Box 1111 100 Broad Street Road, Manakin-Sabot Timberville 22853-1111 Hanover County C.E.O.- Dean W. Withers, Vice Chairman 6315 Mechanicsville Pike, Mechanicsville Cashier- Neil W. Hayslett, Chief Operating Officer Henrico County Offices 9951 Brook Road, Glen Allen City of Staunton 9954 Mayland Drive, Suite 2100 * 2813 North Augusta Street West Broad Marketplace, 12254 West Broad Street Augusta County King William County 125 West Craig Street, Craigsville U.S. Route 360, Central Garage 30 Gosnell Crossing, Fishersville 1681 Main Street, West Point 2782 Stuarts Draft Highway, Stuarts Draft Louisa County Page County 217 East Main Street, Louisa 1 East Luray Shopping Center, East Main Street, Luray Northumberland County Rockingham County 14598 Northumberland Highway, Burgess 100 Plaza Drive, Bridgewater 654 Northumberland Highway, Callao State Route 259, Broadway Powhatan County 127 West Rockingham Street, Elkton 2320 Anderson Highway, Powhatan 200 Augusta Avenue, Grottoes Winterfield Place, 3740 Winterfield Road 80 Cross Keys Road, Penn Laird Maryland 205 South Main Street, Timberville * 1835 West Street, Annapolis 2030 Legacy Lane 6143 High Bridge Road, Bowie Shenandoah County 2120 Baldwin Avenue, Crofton 120 South Main Street, Edinburg 3062 Solomons Island Road, Edgewater 161 South Main Street, Woodstock 1101 Nelson Street, Rockville 1230 Race Road, Rosedale

* Legal main office 26 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Banks -- List by Name

Farmers & Merchants Bank of Craig County, The Farmers and Miners Bank P O Box 400 41526 West Morgan Avenue New Castle 24127-0400 Pennington Gap 24277-2319 C.E.O.- Sandra K. Dudding C.E.O.- Terry M. Estep, President Cashier- Joanna S. Hutchison, Senior Vice President Cashier- C. Shawn Moore, Chief Operating Officer Offices Offices Craig County Dickenson County 189 Main Street, New Castle * North side of State Route 83, 500 yards West of Brush N.W. Corner of Walnut & Court Street, New Castle Creek Road, Clintwood Lee County Farmers Bank of Appomattox, The 248 Station Creed Road, Ewing P O Box 216 41526 West Morgan Avenue, Pennington Gap * Appomattox 24522-0216 6489 Dr. Thomas Walker Road, Rose Hill C.E.O.- John R. Caldwell, President Scott County Cashier- Dawn S. Tolley, Chief Financial Officer 2944 US Highway North, Weber City Offices Wise County Appomattox County 331 East Main Street, Wise 18 Main Street, Appomattox * Triangle Plaza Shopping Center, Route 460, Fauquier Bank, The Appomattox 10 Courthouse Square Buckingham County Warrenton 20186-2800 Southeast corner of State Rt. 20, and U.S. Route 15, C.E.O.- Randy K. Ferrell, President Dillwyn Cashier- Eric P. Graap, Chief Financial Officer Campbell County Offices Highway 24, Concord City of Manassas Prince Edward County 8780 Centreville Road 1508 South Main Street, Farmville Fauquier County 6207 Station Drive, Bealeton Farmers Bank, Windsor, Virginia Northeast corner of Rts 28 and 806, Catlett P O Box 285 Northeast corner of the Intersection, of Main Street and Windsor 23487-0285 Loudoun Ave, The Plains C.E.O.- Richard J. Holland, Jr., Chairman of the Board 10 Courthouse Square, Warrenton * Cashier- Kristy E. DeJarnette, Chief Financial Officer 87 Lee Highway, Warrenton Offices Southeast corner of the Intersection, of U.S. Route 29 City of Chesapeake and State Route 600 821 North Battlefield Boulevard Prince William County City of Suffolk 10260 Bristow Center Drive, Bristow Shopping Center, 1008 West Washington Street Bristow 3100 Godwin Boulevard 7485 Limestone Drive, Gainesville 6255 College Drive, Suite L 15240 Washington Street, Haymarket Isle of Wight County 8091 Sudley Road 1119 South Church Street, Smithfield 50 E Windsor Boulevard, Windsor * First Bank Southampton County 112 West King Street 28319 Southampton Parkway Strasburg 22657-2220 C.E.O.- Scott C. Harvard Cashier- M. Shane Bell, Chief Financial Officer Offices City of Richmond 5601 Patterson Avenue City of Staunton 1 West Frederick Street City of Waynesboro 1415 West Main Street * Legal main office 27 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Banks -- List by Name

First Bank (Continued) First Bank and Trust Company, The (Continued) City of Winchester Wythe County 1835 Valley Avenue 1290 N. 4th Street, Wytheville Buckingham County Tennessee 3474 Rosney Road, Dillwyn 1314 Volunteer Parkway, Bristol Frederick County 2100 Forest Drive, Gray 695 Fairfax Pike, Stephens City 1185 North State of Franklin Road, Johnson City 208 Crock Wells Mill Drive 1108 East Stone Drive, Kingsport Prince Edward County 201 South Main Street, Farmville First Community Bank Rockingham County P O Box 989 301 West Spotswood Trail, Elkton One Community Place Shenandoah County Bluefield 24605-0989 5304 Main Street, Mt. Jackson C.E.O.- Gary R. Mills 112 West King Street, Strasburg * Cashier- David D. Brown, V, Chief Financial Officer 860 South Main Street, Woodstock Offices Warren County City of Bristol 1717 Shenandoah Avenue, Front Royal 821 Commonwealth Avenue 508 North Commerce Avenue, Front Royal 999 Old Airport Road City of Emporia First Bank and Trust Company, The 125 West Atlantic Street P O Box 457 City of Salem Lebanon 24266-0457 1406 S. Colorado Street C.E.O.- William H. Hayter, President Carroll County Cashier- W. Mark Nelson, Chief Financial Officer 148 North Main Street, Hillsville Offices Chesterfield County City of Bristol 14441 Sommerville Court, Midlothian 1419 West State Street 11400 Midlothian Turnpike 38 East Valley Drive 6951 Commons Plaza City of Harrisonburg Dickenson County 120 University Boulevard 320 Chase Street, Clintwood City of Norton Henrico County 1026 Park Avenue 2702 North Parham Road City of Staunton Montgomery County 1030 Richmond Road 1900 South Main Street, Blacksburg Augusta County 109 Roanoke Street, Christiansburg 1563 Commerce Road, Verona 1400 Tyler Avenue, Radford 851 Lew Dewitt Boulevard Pulaski County Bedford County 1001 Bob White Boulevard, Pulaski 17011 Forest Road, Forest Scott County Montgomery County 135 West Jackson Street, Gate City 2695 Prices Fork Road, Blacksburg Smyth County 150 Peppers Ferry Road, Christiansburg 1425 North Main Street, Marion Pulaski County Tazewell County 7305 Peppers Ferry Boulevard, Fairlawn 101 Sanders Lane, Bluefield Rockingham County 29 College Drive, Bluefield * 610 North Main Street, Unit B 3377 Riverside Drive, North Tazewell Russell County 302 Washington Square, Richlands 236 West Main Street, Lebanon * Washington County 970 East Main Street, Lebanon 164 Old Jonesboro Road, Abingdon Washington County 24412 Maringo Road, Abingdon 667 West Main Street, Abingdon 271 West Main Street, Abingdon 933 East Main Street, Abingdon 340 West Main Street, Abingdon Wise County 506 Maple Street, Glade Spring 303 West Main Street * Legal main office 28 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Banks -- List by Name

First Community Bank (Continued) First Sentinel Bank (Continued) Wythe County Tazewell County 747 Ft. Chiswell Road, Max Meadows 801 S. College Avenue, Suite 5, Bluefield 210 East Main Street, Wytheville 12678 George C. Perry Highway, Pounding Mill North Carolina 315 Railroad Ave, Richlands * 115 Main Street East, Banner Elk 200 Valley View Street 1013 Highway 105, Boone Wythe County 101 Brookfall Dairy Road, Elkin 1105 North Fourth Street, Wytheville 5519 Mountain View Road, Hays 704 Independence Boulevard, Mount Airy Freedom Bank of Virginia, The 57 North Main Street, Sparta 10555 Main Street 92 North Center Street, Taylorsville Fairfax 22030 5002 Peters Creek Parkway, Winston-Salem C.E.O.- Craig S. Underhill, President 5610 University Parkway, Winston-Salem Cashier- Karin Johns, Senior Vice President Tennessee Offices 2217 Highway 394, Blountville City of Fairfax 300 Sunset Drive, Johnson City 10555 Main Street * 2681 Boones Creek Road, Jonnson City Fairfax County 7570 Mountain Grove Drive, Knoxville 4500 Daly Drive, Suite 240, Chantilly 4020 Highway 66 South, Rogersville 11700 Plaza America Drive, Suite 110, Reston 113 Hardin Lane, Sevierville 502 Maple Avenue West, Vienna 1824 Veterans Boulevard, Sevierville West Virginia Frontier Community Bank 101 Vermillion Street, Athens 400 Lew Dewitt Blvd 111 Citizens Drive, Beckley Waynesboro 22980-1666 211 Federal Street, Bluefield C.E.O.- Alan J. Sweet, President 4206 Coal Heritage Road, Bluefield Cashier- Frederick W. Galway, Jr., Chief Financial Officer 2 West Main Street, Buckhannon Offices 6299 Webster Road, Cowen City of Staunton 16 Red Oak Drive, Craigsville 1013 Richmond Avenue 1220 Ritter Drive, Daniels City of Waynesboro 110 North Pike Street, Grafton 400 Lew Dewitt Boulevard * 298 Stokes Drive, Hinton U.S. Route 219, Lindside Highlands Community Bank 100 Market Street, Man P O Box 1059 Route 10 Cook Parkway, Oceana Covington 24426-5059 547 Appalachian Highway, Pineville C.E.O.- Bryan P. Thompson, President 77 Cedar Street, Pineville Cashier- Sarah C. Gilbert, Chief Operating Officer 1102 Oakvale Road, Princeton Offices One Stafford Commons, Princeton City of Covington 16 West Main Street, Richwood 307 Thacker Avenue * 902 Northside Drive, Summersville Alleghany County 1501 Main Street, Clifton Forge First Sentinel Bank Bath County 9008 Sam Snead Hwy, Hot Springs P. O. Box 1050 Richlands 24641-1050 Highlands Union Bank C.E.O.- John C. Thompson, President Cashier- J. Robert Buchanan, Chief Financial Officer P O Box 1128 Abingdon 24212-1128 Offices Bland County C.E.O.- Timothy K. Schools 427 Main Street, Bland Cashier- James R. Edmondson, Chief Financial Officer Russell County Offices 66 Townview Drive, Lebanon City of Bristol 821 Commonwealth Avenue * Legal main office 29 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Banks -- List by Name

Highlands Union Bank (Continued) Lee Bank & Trust Company (Continued) City of Bristol Lee County 999 Old Airport Road 600 West Morgan Avenue, Pennington Gap * Smyth County Washington County 1425 North Main Street, Marion 17510 Lee Highway, Abingdon Washington County 164 Old Jonesboro Road, Abingdon MainStreet Bank 24412 Maringo Road, Abingdon 10089 Fairfax Boulevard 340 West Main Street, Abingdon * Fairfax 22030-1742 506 Maple Street, Glade Spring C.E.O.- Jeff W. Dick, Chairman of the Board North Carolina Cashier- Thomas J. Chmelik, Chief Financial Officer 115 Main Street East, Banner Elk Offices 1013 Highway 105, Boone City of Fairfax Tennessee 10089 Fairfax Boulevard * 2217 Highway 394, Blountville 4029 Chain Bridge Road 7570 Mountain Grove Drive, Knoxville Arlington County 4020 Highway 66 South, Rogersville 1000 N. Highland Street 113 Hardin Lane, Sevierville Fairfax County 1824 Veterans Boulevard, Sevierville 727 Elden Street, Herndon 1354 Old Chain Bridge Road, McLean John Marshall Bank Loudoun County 1943 Isaac Newton Square, Suite 100 307 East Market Street, Leesburg Reston 20190-5013 C.E.O.- John R. Maxwell, Chairman of the Board Miners Exchange Bank Cashier- Carl E. Dodson, Chief Operating Officer P O Box 1197 Offices Coeburn 24230-1197 City of Alexandria C.E.O.- Charles R. Ward, President 640 Franklin Street Cashier- Jeffrey S. Johnson, Chief Financial Officer Arlington County Offices 2300 Wilson Boulevard City of Norton Fairfax County Norton Square Shopping Center, Route 58, Norton 1943 Isaac Newton Square, Reston * Wise County 8229 Boone Boulevard, Suite 102, Vienna 102 West Main Street, Appalachia Loudoun County 201 Laurel Avenue, Coeburn 842 South King Street, Leesburg 483 Front Street, Coeburn * Prince William County Wise Street, Ridgeview Shopping Center, St Paul 14130 Noblewood Plaza, Suite 201, Woodbridge 309 Vanover Avenue, N.E. District of Columbia 1330 New Hampshire Avenue, NW, Suite 111, Movement Bank Washington P O Box 6400 1401 H Street, NW, Suite 702, Washington Danville 24543-6400 Maryland C.E.O.- Thomas E. Smith, President 11 N. Washington Street, Rockville Offices City of Danville Lee Bank & Trust Company 201 N Union Street * P O Box 100 Pennington Gap 24277-0100 New Peoples Bank, Inc. C.E.O.- Robert M. Coffey 53 Commerce Drive Cashier- Deborah Pendleton, Chief Financial Officer P O Box 1810 Offices Honaker 24260-1810 City of Bristol C.E.O.- C. Todd Asbury, President 707 Gate City Highway Offices Lee County 32739 Main Street, Jonesville City of Bristol 102 Linden Square Drive * Legal main office 30 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Banks -- List by Name

New Peoples Bank, Inc. (Continued) Pioneer Bank Buchanan County P. O. Box 10 20487 Riverside Drive, Grundy Stanley 22851-0010 Dickenson County C.E.O.- Mark N. Reed, President 198 Colley Shopping Center Hwy 83, Clintwood Cashier- Lori G. Hassett, Chief Financial Officer 111 Haysi Main Street, Haysi Offices Russell County City of Harrisonburg 87 Miners Drive, Castlewood 890 West Market Street 53 Commerce Drive, Honaker * Albemarle County 1421 East Main Street, Lebanon 630 Peter Jefferson Parkway, Suite 190 Scott County Greene County 663 East Jackson Street, Gate City 58 Stoneridge Drive, North, Ruckersville 1299 U. S. Highway 23 South, Weber City 8315 Spotswood Trail, Stanardsville Smyth County Page County 155 East Lee Highway, Chilhowie 800 East Main Street, Luray Tazewell County 511 South Third Street, Shenandoah U.S. Routes 19 and 460, Pounding Mill 252 E. Main Street, Stanley * 157 Tazewell Mall Circle, Tazewell 514 Commerce Drive Select Bank Washington County P. O. Box 4620 350 West Main Street, Abingdon Lynchburg 24502-0620 Wise County C.E.O.- J. Michael Thomas 419 Shawnee Avenue East, Big Stone Gap Cashier- Francis "Bucky" Falls, Senior Vice President 5448 Wise-Norton Road, Esserville Offices 11241 Indian Creek Road, Pound City of Lynchburg Tennessee 4925 Boonsboro Road 2600 North John B. Dennis Highway, Kingsport 7113 Timberlake Road West Virginia Bedford County 1221 Stafford Drive, Princeton 1387 American Way Court 207 Oakvale Road, Princeton 211 Gristmill Drive * Peoples Community Bank Sonabank P O Box 306 10900 Nuckols Road,Suite 325 Montross 22520-0306 Glen Allen 23060 C.E.O.- Robert K. Bailey III, President C.E.O.- Georgia S. Derrico, Chairman of the Board Cashier- Zirkle Blakey, III, Chief Financial Officer Cashier- William H. Lagos, Executive Vice President Offices Offices City of Fredericksburg City of Colonial Heights 175 Kings Highway 3012 Boulevard King George County City of Fairfax 5082 James Madison Parkway 10855 Fairfax Boulevard 8065 Kings Highway City of Hampton Richmond County 2198 Coliseum Drive 4593 Richmond Road, Warsaw City of Newport News Westmoreland County 11801 Merchants Walk 15960 Kings Highway, Montross * City of Williamsburg 1430 Building 12 High Street Albemarle County 1770 Timberwood Boulevard Alleghany County 511 Main Street, Clifton Forge Chesterfield County 350 East Hundred Road, Chester 13804 Hull Street Road, Midlothian

* Legal main office 31 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Banks -- List by Name

Sonabank (Continued) Sonabank (Continued) Essex County Maryland 307 Church Lane, Tappahannock * 37 North Market Street, Frederick Essex Square Shopping Center, 1665 Tappahannock 12800 Middlebrook Road, Germantown Boulevard, Tappahannock 4009 Old Town Road, Huntington Fairfax County 137 E. Chesapeake Beach Road, Owings 6830 Old Dominion Drive, McLean 11200 Rockville Pike, Rockville 11527 Sunrise Valley Drive, Reston 9707 Medical Center Drive, Suite 150, Rockville Fauquier County 14804 Pratt Street, Upper Marlboro 11-A Main Street, Warrenton Gloucester County Touchstone Bank 7132 George Washington Memorial Hwy, Gloucester PO Box 2230 1953 George Washington Memorial Hwy., Gloucester Prince George 23875-2230 Point C.E.O.- Richard M. Liles, Chairman of the Board Hanover County Cashier- James Bryant Neville, Jr., Chief Financial Officer 201 North Washington Highway, Ashland Offices 8123 Mechanicsville Turnpike, Mechanicsville City of Colonial Heights 9495 Charter Gate Drive, Mechanicsville 3115 Boulevard Henrico County Brunswick County 8821 West Broad Street 4200 Gasburg Road, Gasburg King William County Chesterfield County 20 Commerce Lane 200 Johnson Creek, Chester Lancaster County 6300 River Road, Matoaca 437 North Main Street, Kilmarnock Dinwiddie County Loudoun County 20701 First Street, McKenney * 1 East Market Street, Leesburg 13812 Boydton Plank Road 10 West Washington Street, Middleburg U.S. Highway 460 and State Route 684 43086 Peacock Market Plaza, South Riding Mecklenburg County Middlesex County 581 Madison Street, Boydton 16273 General Puller Highway Suite D, Deltaville 701 Virginia Avenue, Clarksville 11290 General Puller Highway, Hartfield 800 North Mecklenburg Avenue, South Hill 291 Virginia Street, Urbanna Prince George County New Kent County 4700 Owens Way 2599 New Kent Highway, Quinton North Carolina Northumberland County 202 North Main Street, Louisburg 14954 Northumberland Highway, Burgess 778 Old Farm Road South, Roanoke Rapids 110 Northumberland Highway, Callao 6941 Northumberland Highway, Heathsville Prince William County Towne Bank 6719 Leaberry Way, Unit L, The Shoppes at Haymarket 6001 Harbour View Boulevard Shenandoah County Suffolk 23435-2767 9484 Congress Street, New Market C.E.O.- G. Robert Aston Jr., Chairman of the Board Southampton County Cashier- Clyde E. McFarland, Executive Vice President 22241 Main Street, Courtland Offices 22510 Linden Street, Courtland City of Chesapeake Surry County 1312 Greenbrier Parkway 176 Colonial Trail East, Surry 137 Mount Pleasant Road Sussex County City of Hampton 209 West Main Street, Waverly 550 Settlers Landing Road 233 South County Drive, Waverly City of Newport News Warren County 1 Old Oyster Point Road 1 South Royal Avenue, Front Royal 11001 Warwick Boulevard Maryland City of Norfolk 7700 Wisconsin Avenue, Bethesda 1 Colley Avenue, Suite 100 14118 Brandywine Road, Brandywine 1006 Colley Avenue * Legal main office 32 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Banks -- List by Name

Towne Bank (Continued) TruPoint Bank City of Norfolk P O Box 1010 101 West Main Street, Suite 1000, World Trade Center Grundy 24614-1010 109 E. Main Street C.E.O.- Barry C. Elswick, President 7500 Granby Street Cashier- E. Scott Butcher, Chief Financial Officer City of Portsmouth Offices 200 High Street City of Bristol 5716 High Street * 1897 Lee Highway 6201 Portsmouth Boulevard Buchanan County City of Richmond U.S. Route 460 East, Grundy 800 East Canal Street Walnut Street & Main Street, Grundy * 9000 West Huguenot Road U.S. Route 460, 0.2 miles east of State Rt. 624, City of Suffolk Oakwood 5806 Harbour View Boulevard Russell County City of Virginia Beach 16-18 Main Street, Lebanon 2539 Princess Anne Road Tazewell County 297 Constitution Drive 1320 Governor George C. Peery Hwy, Pounding Mill 3100 Shore Drive 1425 Second Street, Richlands 5200 Providence Road Washington County 600 22nd Street, Suite 100 600 East Main Street, Abingdon 984 First Colonial Road 914 W. Main Street, Abingdon City of Williamsburg Wise County 1510 Quarterpath Road 28 Russell Street, St. Paul Chesterfield County North Carolina 9761 Iron Bridge Road 116 Executive Park, Asheville Hanover County Tennessee 7279 Bell Creek Road South, Mechanicsville 709 Med Tech Parkway, Johnson City Henrico County 4501 Cox Road, Glen Allen Trustar Bank 1717 Bellevue Avenue 774A Walker Road, Suite 220 4901 Libbie Mill East Boulevard Great Falls 22066 5100 Nine Mile Road C.E.O.- Shaza Andersen 7013 Three Chopt Road Offices James City County Fairfax County 5216 Monticello Avenue 774 A Walker Road, Suite 220, Great Falls * York County 1650 Tysons Boulevard, Suite 950, McLean 6515 George Washington Memorial Hwy, Yorktown North Carolina United Bank 178 U.S. 158 West, Camden 2071 Chain Bridge Rd., Suite 600 5000 Valleystone Drive, Suite 110, Cary Vienna 22182-2622 6337 Morrison Boulevard, Charlotte Cashier- E. Scott Butcher, Chief Financial Officer 824 Ocean Trail, Corolla Offices 6670 Caratoke Highway, Grandy City of Alexandria 802 Green Valley Road, Suite 100, Greensboro 1737 King Street 2839 Charles Blvd., Greenville 2401 Mount Vernon Avenue 250 Caratoke Highway, Moyock 302 South Washington Street 2525 S. Croatan Highway, Nags Head 506 King Street 3535 Glenwood Avenue, Raleigh 5140 Duke Street 2 Juniper Trail, Southern Shores City of Charlottesville 100 5th Street, SE City of Fairfax 10641 Lee Highway 11185 Main Street * 4021 University Drive * Legal main office 33 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Banks -- List by Name

United Bank (Continued) United Bank (Continued) City of Fredericksburg Loudoun County 501 C Jefferson Davis Highway 21885 Ryan Center Way, Ashburn Central Park Town Center, 1304 Central Park Dulles 606 Retail Center, 23510 Overland Drive, Boulevard Dulles City of Harrisonburg 20 Catoctin Circle, S. E., Leesburg 110 University Boulevard 531-A East Market Street, Leesburg 1980 South Main Street 440 East Main Street, Purcellville 624 Chicago Avenue 46005 Regal Plaza, Suite 180, Sterling 677 Chicago Avenue Prince William County City of Manassas 17054 Jefferson Davis Highway, Dumfries 9626 Center Street 7905 Heritage Village Plaza, Gainesville 9872 Liberia Avenue 2030 Old Bridge Road, Lake Ridge City of Winchester 13870 Smoketown Road, Woodbridge 139 N. Cameron Street 10830 Balls Ford Road 2252 Valley Avenue Rockingham County Albemarle County 309 North Main Street, Bridgewater 1265 Seminole Trail 361 South Main Street, Broadway Arlington County 410 West Spotswood Trail, Elkton 2409 Columbia Pike Shenandoah County 2930 Wilson Boulevard 120 Oxbow Drive, Strasburg 5350 Lee Highway 1014 South Main Street, Woodstock 6500 Williamsburg Boulevard Spotsylvania County Quincy Plaza, 907 N. Quincy Street 10800-A Courthouse Road Augusta County Stafford County 54 Franklin Street, Suite 102, Weyers Cave 289 Garrisonville Road 2556 Jefferson Highway, Suite 110 Warren County Fairfax County 1729 N. Shenandoah Avenue, Front Royal 3289 Woodburn Road, Annandale Post Office Plaza, 300 Warren Ave, Front Royal 4230 John Marr Drive, Annandale District of Columbia Centreridge Market Place, 6375 Multiplex Drive, 1001 G Street, N.W., Washington Centreville 1001 Wisconsin Avenue, N.W., Washington 14000 Sullyfield Circle, Chantilly 1301 U Street, N.W., Washington 4501 Daly Drive, Chantilly 1776 K Street, N.W., Washington 5766 Union Mill Road, Clifton 1825 Wisconsin Avenue, NW, Washington 1451 Dolley Madison Boulevard, McLean 4900 Massachusetts Avenue, N.W., Washington 8270 Greensboro Drive, McLean Maryland 11820 Spectrum Center, Reston 7315 Wisconsin Avenue, Bethesda 1900 Centennial Park Drive, Reston 7845 Wisconsin Avenue, Bethesda 7830 Backlick Road, Suite 101, Springfield 5410 Wisconsin Avenue, Chevy Chase 2071 Chain Bridge Road, Vienna 16268 Frederick Road, Gaithersburg 374 Maple Avenue, Vienna 1219 Mount Aetna Road, Hagerstown 10695-B Braddock Road 18750 North Pointe Drive, Hagerstown 4100 Monument Corner Drive 12127 Rockville Pike, Rockville 7115 Leesburg Pike 8630 Fenton Street, Silver Spring 7901 Richmond Highway Ohio Frederick County 3198 Belmont Street, Bellaire 4095 Valley Pike, Stephens City Pennsylvania 1447 North Frederick Pike 113 Penn Street, Point Marion 199 Front Royal Pike 69 Main Street, Smithfield 2051 Northwestern Pike 100 Walnut Hill Road, Uniontown Greene County 81 W Main Street, Uniontown 96 Main Street, Standardsville West Virginia 20020 Midland Trail, Ansted

* Legal main office 34 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Banks -- List by Name

United Bank (Continued) VCC Bank West Virginia 7814 Carousel Lane 129 Main Street, Beckley Richmond 23294-4212 60 Raleigh Mall, Beckley C.E.O.- Jane N. Henderson, President 4605 Pennsylvania Avenue, Big Chimney Cashier- Clyde A. Cornett, Jr., Chief Financial Officer 555 C Street, Ceredo Offices 106 West Washington Street, Charles Town Henrico County 1079 Charleston Town Center, Charleston 7814 Carousel Lane * 4901 Maccorkle Avenue SE, Charleston Montgomery County 500 Virginia Street East, Charleston 110 Peppers Ferry Road, Christiansburg 550 Emily Drive, Clarksburg 90 Railroad Avenue East, Cowen Village Bank 1661 Smoot Avenue, Danville P O Box 330 1200 Grosscup Avenue, Dunbar Midlothian 23113-0330 145 West Maple Avenue, Fayettevile C.E.O.- William G. Foster, Jr., President 101 East Main Street, Glenville Cashier- C. Harril Whitehurst, Jr., Chief Financial Officer 2889 Third Avenue, Huntington Offices 274 SR 34, Hurricane Chesterfield County 7699 Winchester Avenue, Inwood 4221 West Hundred Road, Chester 220 Main Street, Logan 13531 Midlothian Turnpike, Midlothian * 507 Holly Avenue, Logan 6736 Southshore Drive, Midlothian 300 Market Street, Man Hanover County 24 District Way, Martinsburg 10035 Sliding Hill Road, Ashland 450 Foxcroft Avenue, Martinsburg 8051 Mechanicsville Turnpike, Mechanicsville 5453 Williamsport Pike, Martinsburg Henrico County 200 Fourth Street, Montgomery 1401 Santa Rosa Road 101 Venture Drive, Morgantown 1650 Willow Lawn Drive 154 Fayette Street, Morgantown James City County 5372 Discovery Park Boulevard, Suite 101 1750 Earl L. Core Road, Morgantown Powhatan County 40 Hurley Street, Morgantown 1793 South Creek One 990 Elmer Prince Drive, Morgantown 621 Seventh Street, Moundsville Virginia Bank and Trust Company 1 Rosemar Circle, Parkersburg P O Box 3447 514 Market Street, Parkersburg Danville 24543-3447 113 North Street, Ripley C.E.O.- Donald W. Merricks, President 716 West Main Street, Ripley Offices 7867 Martinsburg Pike, Maddex Square, City of Danville Shepherdstown 2600 Riverside Drive, Kings Fairground Plaza 425 Robert C. Byrd Drive, Sophia 3300 North Main Street 2004 West Webster Road, Summersvile 336 Main Street * 234 Grand Central Mall, Vienna U.S. Route 58 East and Airport Drive 2650 Grand Central Avenue, Vienna Campbell County One Court Square, Webster Springs 1729 Calohan Road, Rustburg 109 Three Springs Drive, Weirton Pittsylvania County 3567 Main Street, Weirton 55 North Main Street, Chatham 202 Main Avenue, Weston 10370 Martinsville Highway 1269 Warwood Avenue, Wheeling 4080 Franklin Turnpike 14 Bethlehem Boulevard, Wheeling 1501 Market Street, Wheeling 21 Twelfth Street, Wheeling 2180 National Road, Wheeling

* Legal main office 35 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Banks -- List by Name

Virginia Commonwealth Bank Virginia Partners Bank (Continued) P O Box 17310 Maryland Richmond 23226-7310 115 E. Charles Street, La Plata C.E.O.- C. Franklin Scott, III, President Cashier- Deborah M. Evans, Comptroller Offices City of Colonial Heights 3209 Boulevard City of Petersburg 1955 South Sycamore Street 1965 Wakefield Street City of Richmond 5711 Patterson Avenue City of Suffolk 1703 North Main Street City of Virginia Beach 300 32nd Street, Suite 104 Chesterfield County 4600 West Hundred Road, Chester 11450 Robious Road, North Chesterfield 1118 Courthouse Road Henrico County 1801 Bayberry Court, Suite 101 * 900 North Parham Road Lancaster County 100 South Main Street, Kilmarnock Lancaster Square Shopping Center, North Main Street, Kilmarnock State Route 3, Ice House Field Shopping Center, White Stone Middlesex County 10880 General Puller Highway, Hartfield Northumberland County 15104 Northumberland Highway, Burgess Routes 202 and 360, Callao Richmond County 610 West Richmond Road, Warsaw Westmoreland County 680 McKinney Boulevard, Colonial Beach Route 3 Kings Highway, Montross

Virginia Partners Bank 410 William Street Fredericksburg 22401-8029 C.E.O.- Lloyd B. Harrison, III Cashier- Catherine Phillips Offices City of Fredericksburg 317-319 William Street 410 William Street * Cowan Center, 2521 Cowan Boulevard Spotsylvania County 4210 Plank Road

* Legal main office 36 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Savings Institutions -- List by Name Elizabeth Building and Loan Association, Incorporated 519 Washington Street Portsmouth, VA C.E.O.- Kenneth L. Wimbrough, President

37 STATE CORPORATION COMMISSION – BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Consolidated Report of Condition for Credit Unions As of December 31

2018 2019

ASSETS

Loans ...... $6,378,271,649 $6,639,939,107 LESS: Allowance for loan losses ...... 64,587,709 68,185,533 Cash ...... 444,979,670 758,438,581 Available for Sale securit ies ...... 1,405,169,494 1,509,475,539 Held to Maturity securities ...... 388,194,476 143,799,123 Shares, deposits & certificates in Corporate Centrals ...... 330,000 4,078,000 Shares, deposits & certificates in banks and S&Ls ...... 86,795,462 65,861,500 Shares, deposits & c ertificates in other credit unions ...... 22,791,526 16,971,850 All other investments ...... 77,937,130 75,864,708 Land and buildings (net of depreciation) ...... 186,784,145 200,536,531 Other fixed assets (net of depreciation) ...... 27,790,804 31,282,737 Share insurance cap italization deposit ...... 73,637,918 75,181,996 All other assets ...... 166,701,665 187,552,283 TOTAL ASSETS ...... $9,194,796,230 $9, 640 ,796,422

LIABILITIES & SAVINGS EQUITY

Notes/interest payable ...... $444,870,254 $354,978,544 Accounts payable ...... 116,565,732 143 ,209,277 Dividends payable ...... 395,619 419,709 TOTAL LIABILITIES ...... $561,831,605 $498,607,530

Share certificates ...... $1,386,215,896 $1,550,499,269 Share draft accounts ...... 1,460,944,328 1,539,426,219 IRA accounts ...... 584,063,886 599,102,801 Other shares and de posits ...... 4,249,304,360 4,409,383,644 TOTAL SHARES AND DEPOSITS ...... $7,680,528,470 $8,098,411,933

Regular/statutory reserve ...... $86,252,573 $85,195,619 Other reserves ...... 91,801,357 91,801,357 Appropriation For Non -Conforming Investments 0 2,391 Equity Acqui red in a Merger 14,004,888 21,446,229 Unrealized Gains (Losses) on A vailable for Sale Securities ...... (23,695,421) 10,145,162 Other comprehensive Income (43,262,005) (60,655,213) Accumulated Unrealized G/L on Cash Flow Hedges 0 0 Undivided earnings ...... 827,33 4,763 895,841,414 TOTAL EQUITY ...... $952,436,155 $1,043,776,959 TOTAL LIABILITIES , SHARES & EQUITY ...... $9,194,796,230 $9,640,796,422

Number of credit unions in operation ...... 28 27

38 STATE CORPORATION COMMISSION – BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Consolidated Report of Income for Credit Unions For the Year Ended December 31

201 8 201 9

INCOME Interest on loans (gross) ...... $319,461,822 $347,772,061 LESS: Interest refunded ...... 0 0 Income from investments ...... 51,427,195 55,068,640 Income from T rading ...... (76,958) N/A Fee income ...... 57,912,756 60,197,228 Other operating income ...... 80,851,190 95,367,263 TOTAL GROSS INCOME ...... $509,576,005 $558,405,192

EXPENSES Employee compensation & benefits ...... $174,157,987 $194,930,545 Travel & conference expense ...... 3,545,095 3,477,801 Office occupancy expense ...... 16,745,098 17,509,517 Office operations expense ...... 63,792,288 69,145,106 Education & promotional expenses ...... 11,590,188 12,722,630 Loan servicing expense ...... 32,391,972 36,132,581 Professional & outside services ...... 13,251,590 13,646,793 Provision for loan losses ...... 52,943,616 49,341,959 Members insurance ...... 73,580 41,157 Operating fees (examination & supervision fees) ...... 1,084,670 1,652,170 Miscellaneous operating expenses ...... 5,303,594 5,873,566 TOTAL OPERATING EXPENS ES BEFORE DIVIDENDS ...... $374,879,678 $404,473,825

NET INCOME (LOSS) BEFORE DIVIDENDS ...... $134,696,327 $153,931,367

Gains (losses) on securities ...... $2,224,941 $1,463,388 Gains (losses) on disposition of assets ...... (308,321) 1,068,537 Other non -operating in come (expense) ...... (3,430) 115,000 TOTAL NON -OPERATING GAINS (LOSSES) ...... $1,913,190 $2,646,925

Total net income (loss) before dividends ...... $136,609,517 $156,578,292 Interest on borrowed money ...... 13,587,343 11,566,218 Dividends ...... 50,965,850 68,819,778 Net income (loss) after dividends ...... $72,056,324 $76,192,296

Transfer to Regular Reserve $0 $11,219

39 STATE CORPORATION COMMISSION – BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Selected Data for Virginia State Chartered-Credit Unions As of December 31, 2019

Credit Union Name Principal Assets Shares & Net Worth Location ($000) Deposits ($000) ($000) A B & W Credit Union, Alexandria 27,601 23,620 4,642 Incorporated Augusta Health Care Credit Fishersville 12,078 10,228 1,848 Union, Incorporated Baylands Family Credit Union, West Point 85,262 78,377 7,512 Inc. Beacon Credit Union, Lynchburg 210,316 174,590 20,498 Incorporated Blue Eagle Credit Union Roanoke 157,730 138,349 20,650

Cadmus Credit Union, Richmond 1,357 1,191 155 Incorporated Credit Union of Richmond Richmond 68,567 57,008 12,389 Incorporated Dominion Energy Credit Richmond 301,375 260,302 38,400 Union DuPont Community Credit Waynesboro 1,271,998 1,110,218 133,524 Union Hampton Roads Educators Hampton 32,347 30,534 2,675 Credit Union, Inc. Jackson River Community Covington 83,927 73,465 10,701 Credit Union Loudoun Credit Union Leesburg 42,586 38,476 3,862

Martinsville Du Pont Martinsville 499,530 435,698 58,960 Employees Credit Union, Incorporated d/b/a ValleyStar Credit Union N.C.S.E. Credit Union, Inc. Lovingston 940 696 245

Newport News Municipal Newport News 40,596 37,043 3,446 Employees Credit Union, Incorporated Newport News Shipbuilding Newport News 1,743,830 1,444,307 223,058 Employee’s Credit Union, Inc. d/b/a Bayport Credit Union

STATE CORPORATION COMMISSION – BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Selected Data for Virginia State Chartered-Credit Unions As of December 31, 2019

Credit Union Name Principal Assets Shares & Net Worth Location ($000) Deposits ($000) ($000) Northern Star Credit Union, Portsmouth 83,271 65,133 9,995 Incorporated P.W.C. Employees Credit Woodbridge 61,238 51,747 9,247 Union Petersburg Federal Hopewell 3,771 2,708 1,046 Reformatory Credit Union, Incorporated PFD Firefighters Credit Union, Portsmouth 29,362 25,064 4,184 Incorpora ted Prime Care Credit Union, Norfolk 19,172 16,234 2,815 Incorporated Richmond Virginia Fire Police Richmond 18,611 16,157 2,279 Credit Union Inc. Riverside Health System Newport News 7,431 6,016 1,385 Employees' Credit Union, Incorporated University of Virginia Charlottesville 1,026,121 892,388 109,549 Community Credit Union, Inc. Virginia Credit Union, Inc. Richmond 3,729,406 3,037,239 400,423

Virginia Educators' Credit Newport News 66,367 56,914 9,192 Union Virginia United Methodist Richmond 16,005 14,709 1,300 Credit Union, Inc. d/b/a The United Methodist Credit Union

STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Credit Unions -- Applications Received and/or Acted Upon

Mergers

Received Description Activity 03/07/19 Martinsville Du Pont Employees Credit Union, Incorporated, Martinsville, VA to merge into it Entrust Approved Financial Credit Union, Richmond, VA 05/09/19 06/06/19 Beacon Credit Union, Incorporated, Lynchburg, VA to merge into it N.C.S.E. Credit Union, Inc., Approved Lovingston, VA 12/18/19

New Service Facilities

Received Institution Location Activity 01/10/19 Newport News Shipbuilding Employees' 1013 University Boulevard Approved Credit Union, Inc. Suffolk, VA 01/24/19

42 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Credit Unions -- Status Changes

Mergers June 21 Martinsville Du Pont Employees Credit Union, Incorporated, Martinsville, VA merged into it Entrust Financial Credit Union, Richmond, VA

Office Relocations February 25 Beacon Credit Union, Incorporated, Lynchburg, VA moved its branch office from 2293 Magnolia Avenue, Buena Vista, VA to 2101 Forest Avenue, Buena Vista, VA August 05 Dominion Energy Credit Union, Richmond, VA moved its branch office from One James River Plaza Lobby Level, Richmond, VA to 600 East Canal Street Lobby, Richmond, VA March 18 Virginia Credit Union, Inc., Richmond, VA moved its branch office from 9951 Jefferson Davis Highway, Fredericksburg, VA to 4531 Spotsylvania Parkway, Fredericksburg, VA

New Service Facilities March 27 University of Virginia Community Credit Union, Inc. opened a service facility at 5714 Three Notch'd Road, Crozet, VA May 08 Newport News Shipbuilding Employees' Credit Union, Inc. opened a service facility at 1013 University Boulevard, Suffolk, VA

43 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Credit Unions -- List by Name A B & W Credit Union, Incorporated Blue Eagle Credit Union (Continued) 6201 Richmond Highway Service Facilities - Alexandria, VA 22303 3300 Odd Fellows Road Treasurer- Mack Reel Lynchburg, VA 1430 Hershberger Road NW Roanoke, VA 24012 Augusta Health Care Credit Union, 2121 Electric Road Incorporated Roanoke, VA 78 Medical Center Drive 7208-A Williamson Road P O Box 1000 Roanoke, VA 24019 Fishersville, VA 22939 Treasurer- James Hathaway Cadmus Credit Union, Incorporated 2901 Byrdhill Road Baylands Family Credit Union, Inc. P.O. Box 27481 Richmond, VA 23228 2004 Main Street P. O. Box 392 Treasurer- Donald W. Hill West Point, VA 23181 Treasurer- Christopher Burgess Credit Union of Richmond Incorporated Service Facilities - 1601 Ownby Lane 2111 Pocahontas Trail Richmond, VA 23220 Quinton, VA 23141 Treasurer- Yvonne J. Baylor 7031 Richmond Road Service Facilities - Williamsburg, VA 23188 101 South Davis Avenue Richmond, VA 23261 Beacon Credit Union, Incorporated 1801 Brook Road 107 Leroy Bowen Drive Richmond, VA 23260 P O Box 4319 Lynchburg, VA 24502 Dominion Energy Credit Union Treasurer- Wesley Gordon 600 East Canal Street Lobby Service Facilities - Richmond, VA 23219 2101 Forest Avenue Treasurer- Michael C. Swalley Buena Vista, VA 24416 Service Facilities - 1901 Goodyear Boulevard 5000 Dominion Boulevard Danville, VA 24541 Glen Allen, VA 23060 320 Old Riverside Drive 120 Tredegar Street Danville, VA 24541 Richmond, VA 23219 630 Piney Forest Road Danville, VA 24540 DuPont Community Credit Union 19029 Forest Road 140 Lucy Lane Lynchburg, VA 24502 P. O. Box 1365 2134 Langhorne Road Waynesboro, VA 22980 Lynchburg, VA 24502 Treasurer- Leslie Ramsey 6320 Logans Lane Service Facilities - Lynchburg, VA 24506 1820 South High Street Amelon Shopping Square Harrisonburg, VA 22801 Madison Heights, VA 1900 Stone Spring Road Harrisonburg, VA 22801 Blue Eagle Credit Union 1925 Reservoir Street 419 Rutherford Avenue NE Harrisonburg, VA 22801 Roanoke, VA 24018 47 W. Kaylor Park Drive Treasurer- Jeff Thompson Harrisonburg, VA 22801 Service Facilities - 1130 North Lee Highway 1210 Greenview Drive Lexington, VA 24450 Lynchburg, VA 24502

44 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Credit Unions -- List by Name DuPont Community Credit Union (Continued) Martinsville Du Pont Employees Credit Union, Service Facilities - Incorporated d/b/a ValleyStar Credit Union (Continued) 105 Community Way Service Facilities - Staunton, VA 24401 913 E. Church Street 410 N. Augusta Street Martinsville, VA 24112 Staunton, VA 1801 Dabney Road 2518 Stuarts Draft Highway Richmond, VA 23230 Stuarts Draft, VA 24477 7176 Greensboro Road 315 Lee Highway Ridgeway, VA 24148 Verona, VA 24482 3452 Buck Mountain Road 1140 Shenandoah Village Drive Roanoke, VA 24018 Waynesboro, VA 22980 1080 Old Franklin Turnpike 200 East Broad Street Rocky Mount, VA 24151 Waynesboro, VA 22980 924 Tanyard Road 2200 W. Main Street Rocky Mount, VA 24151 Waynesboro, VA 22980 4027 Halifax Road 1025 Woodstock Commons Drive South Boston, VA 24592 Woodstock, VA 22664 501 W. Broad St. Waynesboro, VA 22980 Hampton Roads Educators Credit Union, Inc. N.C.S.E. Credit Union, Inc. 2130 Cunningham Drive 6919 Thomas Nelson Highway Hampton, VA 23666 Lovingston, VA 22949 Treasurer- Donald O. Sandridge Treasurer- Phyllis M. Drumheller

Jackson River Community Credit Union Newport News Municipal Employees Credit Union, 347 North Court Avenue Incorporated Covington, VA 24426 502 Operations Drive Treasurer- David Vest Newport News, VA 23602 Service Facility - Treasurer- Ronald W. Jones 210 Westvaco Road Service Facility - Low Moor, VA 24457 210 25th Street Newport News, VA 23607 Loudoun Credit Union 801 Sycolin Road SE, Suite 101 Newport News Shipbuilding Employees' Credit Union, Leesburg, VA 20175 Inc. d/b/a Bayport Credit Union Treasurer- Norman Butts 3711 Huntington Avenue Service Facility - Newport News, VA 23607 112 A South Street, SE Treasurer- Mary Campbell Leesburg, VA 20175 Service Facilities - 2445 Old Taylor Road Martinsville Du Pont Employees Credit Union, Chesapeake, VA 23321 Incorporated d/b/a ValleyStar Credit Union 401 Albemarle Drive Suite 102 35 Dupont Road Chesapeake, VA 23322 Martinsville, VA 24115 544 Battlefield Boulevard South Treasurer- Steve Isley Chesapeake, VA 23322 Service Facilities - 677 N. Battlefield Boulevard 41 Wheeler Avenue Chesapeake, VA Collinsville, VA 24078 5028 George Washington Memorial Hwy. 212 Holt Garrison Parkway Grafton, VA 23692 Danville, VA 1168 Big Bethel Road 3240 Franklin Turnpike Hampton, VA 23666 Danville, VA 24540 199 Fox Hill Road Hampton, VA 45 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Credit Unions -- List by Name Newport News Shipbuilding Employees' Credit Union, Newport News Shipbuilding Employees' Credit Union, Inc. d/b/a Bayport Credit Union (Continued) Inc. d/b/a Bayport Credit Union (Continued) Service Facilities - Service Facilities - 22 Lincoln Street 1463 North Main Street Hampton, VA 23669 Suffolk, VA 23434 2300 Cunningham Drive 5225 Providence Road Hampton, VA 23666 Virginia Beach, VA 500 West Park Lane 4171 Ironbound Road Hampton, VA 23666 Williamsburg, VA 23188 5200 West Mercury Boulevard Hampton, VA 23605 Northern Star Credit Union, Incorporated Gateway 2000, 22 Enterprise Parkway 5100 George Washington Highway Suite 160 Portsmouth, VA 23702 Hampton, VA 23666 Treasurer- Bernard Matthews 2369 George Washington Memorial Hwy. Service Facilities - Hayes, VA 23072 Elmhurst Square S. C. Outparcel 11820 Fountain Way 5600 Block of Portsmouth Boulevard Newport News, VA 23606 Portsmouth, VA 23701 12512 Warwick Boulevard 5885 Harbor View Boulevard Newport News, VA 23606 Suffolk, VA 23435 12525 Jefferson Avenue Newport News, VA 23602 P.W.C. Employees Credit Union 230 41st Street, Building 520 12715 Ridgefield Village Drive Newport News, VA 23607 Woodbridge, VA 22193 2700 Huntington Avenue, Building 902 Treasurer- Robin R. Perkins Newport News, VA 23607 Service Facility - 2900 Washington Avenue, Building 901 8959 Center Street Newport News, VA 23607 Manassas, VA 22110 3101 Jefferson Avenue Newport News, VA PFD Firefighters Credit Union, 35th Street Gate Incorporated Newport News Shipyard 3209 Cedar Lane Newport News, VA 23607 Portsmouth, VA 23703 4215 Marshall Avenue, Building 600 Treasurer- Robert Wise, Jr. Newport News, VA 23607 433 Denbigh Boulevard Newport News, VA 23608 Petersburg Federal Reformatory Credit Union, 5001 Huntington Avenue Incorporated Newport News, VA 23607 Federal Correctional Institution 60th Street Gate P O Box 1298 Newport News Shipyard Hopewell, VA 23860 Newport News, VA 23607 Treasurer- Samuel P. Clement III 8000 Marshall Avenue Newport News, VA 23605 Prime Care Credit Union, Incorporated 955 Harpersville Road 600 Gresham Drive Newport News, VA Norfolk, VA 23507-1904 Northrup Grumman Newport News Treasurer- Terry J. Lambert Building 907, 210 47th Street Service Facilities - Newport News, VA 23607 830 Kempsville Road, 600 Church Street Room 111 Sentara Leigh Hospital Norfolk, VA 23501 Norfolk, VA 23502 1290 Smithfield Plaza 2800 Godwin Boulevard Smithfield, VA 23430 Suffolk, VA 23434 1013 University Boulevard Suffolk, VA 23435 46 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Credit Unions -- List by Name Richmond Virginia Fire Police Credit University of Virginia Community Credit Union Inc. Union, Inc. (Continued) 900 Hermitage Road Service Facilities - Richmond, VA 23220 6042 Thomas Jefferson Parkway Treasurer- Linn M. Brown Palmyra, VA 22963 Service Facility - 56 Stoneridge Drive South 200 W. Grace Street Ruckersville, VA 22968 Richmond, VA 23220 Virginia Credit Union, Inc. Riverside Health System Employees' Credit Union, 720 East Broad Street Incorporated Richmond, VA 23225 500 J. Clyde Morris Boulevard Treasurer- Herbert A. Parr Newport News, VA 23601 Service Facilities - Treasurer- Barbara LaBonte 13025 Jefferson Davis Highway Chester, VA 23831 14520 Hancock Village Street University of Virginia Community Credit Chesterfield, VA 23832 Union, Inc. 9961 Iron Bridge Road 3300 Berkmar Drive Chesterfield, VA 23832 Charlottesville, VA 22901-1491 301 Temple Lake Drive Treasurer- Charles T. Gillet Colonial Heights, VA 23834 Service Facilities - 100 MidTown Avenue 409 East Main Street Farmville, VA 23901 Louisa, VA 23093 2150 Gordon W. Shelton Boulevard 100 Darden Boulevard Fredericksburg, VA 22401 Charlottesville, VA 22901 4531 Spotsylvania Parkway 1018 West Main Street Fredericksburg, VA 22408 Charlottesville, VA 22908 3236 Odd Fellows Road 1155 Seminole Trail Lynchburg, VA 24501 Charlottesville, VA 22906 6103 Brashier Boulevard 1400 Melbourne Road Mechanicsville, VA 23111 Charlottesville, VA 22901 11030 Hull Street Road 1936 Arlington Boulevard Midlothian, VA 23112 Charlottesville, VA 22903 13505 Tredegar Lake Parkway 220 Wayles Lane Midlothian, VA 23112 Charlottesville, VA 22911 Southside Virginia Training Center 2775 Hydraulic Road Building 59, 26317 W. Washington St. Charlottesville, VA 22901 Petersburg, VA 23803 501 College Drive 101 N. 14th Street (Tower) Charlottesville, VA Richmond, VA 23219 900 E. Jefferson Street 10165 Brook Road Charlottesville, VA 22902 Richmond, VA 23227 5714 Three Notch'd Road 1200 Koger Center Boulevard Crozet, VA 22932 Richmond, VA 23235 633 Meadowbrook Shopping Center 1302 B Gaskins Road Culpeper, VA 22701 Richmond, VA 23233 49 Sommerfield Drive 2300 W Broad Street (DMV) Gordonsville, VA 22942 Richmond, VA 23220 757 Davis Highway 4001 Lauderdale Drive Mineral, VA 23117 Richmond, VA 23233 3033 Rockfish Valley Highway 5285 South Laburnum Avenue Nellysford, VA 22958 Richmond, VA 23231 115 N. Madison Road 5427 Glenside Drive Orange, VA Richmond, VA 23228

47 STATE CORPORATION COMMISSION -- BUREAU OF FINANCIAL INSTITUTIONS 2019 ANNUAL REPORT

Credit Unions -- List by Name Virginia Credit Union, Inc. (Continued) Service Facilities - 6900 Atmore Drive Richmond, VA 23225 7500 Boulders View Drive Richmond, VA 23225 900 East Main Street Pocahontas Building Richmond, VA 23219 935 West Grace Street Richmond, VA 23220 9498 West Broad Street Richmond, VA General Assembly Building 201 North 9th Street Richmond, VA 23219 J. Sargeant Reynolds Comm. College 1651 E. Parham Road Richmond, VA 23228 VCU-HS Main Hospital 1250 East Marshall Street Richmond, VA 23298 17 First Street Staunton, VA 24401 Eastern State Hospital Building 2, 4601 Ironbound Road Williamsburg, VA 23188

Virginia Educators' Credit Union 12626 Nettles Drive Newport News, VA 23606 Treasurer- Eugene Johnson Service Facilities - 12368 Warwick Boulevard, Suite A106 Newport News, VA 23606 812 Main Street Newport News, VA 23605

Virginia United Methodist Credit Union, Inc. d/b/a The United Methodist Credit Union 10330 Staples Mill Road Glen Allen, VA 23060 Treasurer- G. Thomas Brown