Old Point National Bank

Old Point is a family of organizations designed to meet all of your financial needs. Their employees live, work, and shop in the footprint in which they serve, and they pride themselves on creating a better community every day. Visit OldPoint.com to discover Old Point National Bank, Old Point Trust, Old Point Mortgage, and Old Point Insurance. Old Point National Bank is a full service community bank that offers everything from sophisticated commercial banking services and reasonably priced consumer services to good, old fashioned personal service. We offer convenient branch locations throughout Hampton Roads and surcharge-free access to over 55,000 ATMs worldwide as part of the Allpoint ATM network. We are committed to helping our community through support of hundreds of local charitable organizations. Old Point Trust is the oldest and largest trust company headquartered in Hampton Roads, providing sophisticated wealth management solutions since 1926. Old Point Mortgage proudly assists customers nationwide with all of their new home and refinance loan needs. We offer trusted, transparent, and responsible lending and you'll find everything you want in a mortgage loan experience. Old Point Insurance offers a full suite of personal and commercial insurance offerings, including home, flood, automobile, group health/life, and more. We make sure our customers have the insurance plan that protects what matters most to them. Here are just a few of the reasons that we believe that you should consider banking with Old Point: • Old Point is about people, community, and lasting relationships. • Decisions are made locally - right here in Hampton Roads. • Our advisory boards are made up of individuals who are genuinely committed to community involvement and growth. • Our reputation is built on customer service delivered by friendly, knowledgeable staff committed to servicing the needs of our customers.

LoanCare

oanCare,LLC, is a leading national provider of full service subservicing and interim subservicing to the mortgage industry and has offered its expertise and best practices in providing servicing solutions for others since 1991. At the present time, LoanCare subservices over 1.8 million loans in 50 states, approximating $390 billion in loan balances. LoanCare has a seasoned loan servicing team with senior managers averaging nearly 30 years of experience in the mortgage and financial services industry. According to National Mortgage News, LoanCare is the nation’s second largest subservicer. Our focus is optimizing asset performance for our clients while delivering a better borrower experience. Combining strategic, technical, operational and organizational expertise with proven disciplined approaches, we build solutions and get results. As evidence of the 70-plus clients currently under contract, 40 have been with LoanCare at least six years and 14 for ten years or more. Through LoanCare, our clients have access to advanced servicing technology. We utilize Black Knight's Mortgage Servicing Platform (MSP) system, which is the premier servicing platform in the industry, and have 35 million loans on the system. We have wrapped a number of proprietary systems around the core platform. LoanCare focuses on optimizing asset performance while delivering a better borrower experience. Combining strategic, technical, operational and organizational expertise with proven, disciplined approaches, LoanCare builds solutions that gets results. Let us tailor a subservicing program for you.

PRA Group

As a global leader in acquiring and collecting nonperforming loans, PRA Group returns capital to banks and other creditors to help expand financial services for consumers. With thousands of employees worldwide, PRA Group companies collaborate with customers to help them resolve their debt and provide a broad range of additional revenue and recovery services to business clients. Our employees around the world play a key role in shaping our identity. By doing things the right way for the right reasons, treating others with fairness and respect, and valuing diversity and inclusion, our employees will sustain us into the future. Our company culture is the foundation for everything we do. Since our founding, we have been focused on making a difference. We make it a priority to strengthen the communities where we work and live. Our employees support the mission in both time and money. To enhance that generosity, we match their contributions and we honor their civic spirit with paid time off to participate in Volunteer Days.