CARDINAL FINANCIAL CORPORATION

Cardinal Financial Corporation is one of the largest financial institutions headquartered in Northern Virginia and the Commonwealth of Virginia. The Company intends to pursue a community banking strategy by offering a broad range of banking products to individuals, professionals and small to medium-sized businesses, with an emphasis on personalized service and local decision-making authority. Management's expansion strategy includes attracting experienced local management teams who will have si... gnificant decision-making authority at the local bank level and local independent boards of directors consisting of individuals with strong community affiliations and extensive business backgrounds and business development potential in the identified markets. Each management team will operate in a manner that provides responsive, personalized services. The Company will provide credit policies and procedures as well as centralized back office functions to provide corporate, technological and marketing support to the Banks.