Dear Oak View Community,

4174 Old Stockyard Road, Marshall, VA 20115 PO Box 368, Marshall, VA 20116 Phone: 540.364.1187 Fax: 540.359.7125 OakViewBank.com

On Monday, March 13th, Oak View executed on its contingency funding plan. By 10:30 a.m. the bank had an additional $50 million in liquid funds on the balance sheet, plus additional funding in reserve. This pre-arranged plan is designed to protect our depositors without the need for a government bailout. Although we were not concerned about our depositors moving money out of the Bank, we felt it was a wise precaution to take given the chaos that ensued in the wake of the failure of two poorly managed large banks over the preceding weekend.

Oak View actually experienced a net increase in deposits during the week of March 13th as depositors moved money to their local community bank. Given the net increase in deposits and having proven that our contingency funding plan was sound, we reduced our on-balance sheet liquidity back to normal levels by the end of the week. Our team is dedicated to protecting your money and your trust in us; the contingency funding plan remains in place to protect Oak View depositors again if the need arises.

Nobody has ever lost a dime of FDIC insured deposits in any FDIC insured bank. If you want the peace of mind of FDIC insured deposits in a well-run authentic community bank, call 540.359.7100 or visit one of our offices in Warrenton, Marshall or Culpeper. Our customer service professionals can:

• Advise you on how to navigate the FDIC rules to arrange your deposit accounts in such a way that you can receive the maximum FDIC coverage available to you. It is possible to achieve FDIC coverage on more than $250,000 at our Bank if you structure your accounts the right way.

• Facilitate the dispersion of your remaining deposits that exceed the FDIC insurance limits among other community banks to obtain FDIC insurance coverage on that money, too. You maintain your account at Oak View; we will do the work for you to gain the extra FDIC insurance coverage.

Oak View National Bank is safe, sound and secure. We do right by our customers and support local community small businesses and non-profit organizations. It has been very gratifying to hear so many people say, “We aren’t worried about Oak View!”. Thank you for the confidence you have shown in your local community bank.

Sincerely,

Michael A. Ewing Chairman of the Board and CEO

128 Broadview Avenue Warrenton, VA 20186 540.359.7100

4174 Old Stockyard Road Marshall, VA 20115 540.364.1187

450 James Madison Highway Culpeper, VA 22701 540.825.2570

MEMBER FDIC