Corporate Profile

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Village Bank and Trust Financial Corp® is organized under the laws of the Commonwealth of Virginia to engage in commercial and consumer banking.
The Company's wholly owned subsidiary, Village Bank®, is a traditional community bank offering deposit and loan services to individuals and businesses in the suburbs surrounding Richmond, Virginia.

Village Bank has nine (9) retail branch locations and provides commercial and consumer banking services in Chesterfield, Hanover, Henrico and Powhatan Counties, and in the City of Williamsburg. Our network of branches enables our franchise to serve an increasingly larger portion of the greater Richmond Metropolitan area. Village Bank strongly believes in our employees, our community and sound business practices. As a true community institution, we want to be the bank of choice as well as the employer of choice.

During 2003, the Company added complimentary mortgage lending services by establishing a wholly owned subsidiary of Village Bank, Village Bank Mortgage Corporation®, with its headquarters in suburban Chesterfield County.

The Directors, Officers and Employees of the Bank and the Mortgage Company enjoy a reputation for participation in more than 75 different community service organizations. The Bank has received several awards from local government and various organizations for its employment practices and community involvement.

The Company's management team consists of a Senior Management team supported by several Bank and Mortgage Corporation department managers.
The Company's Village Bank subsidiary is regulated by the Federal Deposit Insurance Corporation and the Virginia State Corporation Commission's Bureau of Financial Institutions. Village Bank is not a member of the Federal Reserve System.

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Contact Information

Village Bank and Trust Financial Corp.
13319 Midlothian Turnpike
Midlothian, VA 23113
(804) 897-3900

Investor Relations Contact
Deborah M. Golding
Vice President
(804) 897-3900

Transfer Agent
Computershare Shareholder Services
P.O. Box 30170
College Station, TX 77842-3170
(800) 368-5948