Richard A. Hutchison

Virginia Heritage Bank is a commercial bank, which offers full range of banking services through traditional and electronic delivery. Its services include: free business and consumer checking, premium interest-bearing checking, business account analysis, savings, certificates of deposit and other depository services, as well as a broad array of commercial, real estate and consumer loans. free internet account access is available for all personal and business accounts, free internet bill payment services are available on most accounts, and a robust online cash management system is available for business customers. The company operates its business through three segments: Retail Banking, Mortgage Banking and Indirect Lending. The Retail Banking, Mortgage Banking and Indirect Lending. The Retail Banking segment operations consist primarily of interest earned on loans and investment securities and service charges on deposit accounts. The Mortgage Banking segment consist principally of gains on sales of loans in the secondary market, loan origination fee income and interest earned on mortgage loans held for sale. The Indirect Lending segment consists primarily of interest earned on automobile retail installment sales contracts. Virginia Heritage Bank was founded on November 21, 2005 and is headquartered in Tyson's Corner, VA.

Community Bank of Northern Virginia provides banking services. The company's banking services include retail, home and commercial mortgage. It also provides products and services to facilitate the flow of money, such as credit and related services, investment related services, oversight services to accounting, regulatory agencies and data oversight. Community Bank of Northern Virginia was founded in 1991 and is headquartered in Sterling, VA.

The Freedom Bank of Virginia is a community oriented bank, which engages in the provision of financial services. It services include personal banking, business banking, and mortgage banking. The company was founded on January 27, 2000 and is headquartered in Fairfax, VA.