C&F Financial Corporation

C&F Financial Corporation is a bank holding company that was incorporated in March 1994 under the laws of the Commonwealth of Virginia. The Corporation owns all of the stock of its sole operating subsidiary, C&F Bank (Citizens and Farmers Bank), which is an independent commercial bank chartered under the laws of the Commonwealth of Virginia. The Bank originally opened for business under the name Farmers and Mechanics Bank on January 22, 1927.

C&F Bank

In 1927, the founders of C&F Bank recognized the need for a strong, solid financial institution that would serve local businesses and the customers that lived and worked in our communities. Through the years, C&F Bank has proved that dedicated, well-trained employees, a commitment to outstanding service and a diverse offering of quality financial products are the keys to success and growth. As we grow, we stay committed to carry on our community banking heritage in each community we serve.

Today, we are recognized as one of the premier community banks in the country. In a time when many financial institutions are being acquired and merged, we are still here. We are large enough to stand on our own and to offer you, our customers, the most diversified, quality products available in the market. We are small enough to know you by name and recognize you when you come in to see us. You will deal with people you know and trust, right in your neighborhood branch.

C&F Bank currently has eighteen C&F branch locations.

C&F Investment Services, Inc.

C&F has made it convenient for you to enjoy access to many investment choices all in one place. C&F Investment Services/BI Investments offices are located in four (4) C&F Bank locations:

• Main Street in West Point
• Alverser Drive in Midlothian

• Jamestown Road in Williamsburg
• West Broad Street in Richmond

Our Financial Advisors are available to meet customers in any C&F Bank branch office.

C&F Investment Services/BI Investments offers you a variety of investment products and services to meet your needs.

Call one of our offices at:

C&F Mortgage

C&F Mortgage is a wholly-owned subsidiary of Citizens and Farmers Bank serving fourteen markets throughout the states of Virginia, Maryland, Delaware and North Carolina. They offer a variety of mortgage solutions to serve our customers' needs. Whether for a purchase or refinance, C&F Mortgage has the most competitive products and pricing available.

The service and state-of-the-art technology is what really distinguishes C&F Mortgage. An experienced mortgage loan officer is assigned to each account minimizing paperwork, reducing response, and accelerating approvals. They also offer true one-stop shopping with our affiliated title insurance through C&F Title Agency, appraisal services through Certified Appraisals, LLC, and settlement services (in select markets) through Hometown Settlement Services.

For more information, call toll free 1-888-339-8300 or visit their website at www.cfmortgagecorp.com.

C&F Title Agency, Inc.

C&F Title Agency, Inc. is a wholly-owned subsidiary of Citizens and Farmers Bank serving the state of Virginia. They offer title insurance and title search services in conjunction with mortgage loans and equity lines of credit with their affiliates, C&F Mortgage Corporation and Citizens and Farmers Bank as well as with other lending institutions. They also offer closing services through their affiliate Hometown Settlement Services in the Charlottesville market place. For additional information, you may call 804-858-8399, fax your inquiries to 804-858-8396, or email us at echerry@cftitleagency.com.

Certified Appraisals, LLC

Certified Appraisals, LLC is a licensed residential appraisal firm which operates as an affiliate of Citizens and Farmers Bank and serves all of the bank's market area. Providing expert home appraisals for homeowners and real estate related businesses, Certified Appraisals, LLC offers the area's most professional and prompt service possible. For additional information, you may call 804-858-8312, fax your inquiries to 866-843-0898, or email us at homes@certifiedappraisalsllc.com.