Patricia B. Smith

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.