C & F Financial Corp

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P O Box 391, 23181 Reno

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C & F Financial Corporation (C & F Financial) is a bank holding company that owns all of the stock of its sole operating subsidiary, Citizens and Farmers Bank (C&F Bank or the Bank), an independent commercial bank that originally opened for business under the name Farmers and Mechanics Bank. The Company operates in three principal business activities: retail banking through C&F Bank, mortgage banking through C&F Mortgage Corporation (C&F Mortgage) and consumer finance through C&F Finance Company (C&F Finance). In addition, the Company conducts brokerage activities through C&F Investment Services, Inc., insurance activities through C&F Insurance Services, Inc. and title insurance services through C&F Title Agency, Inc. It also owns two non-operating subsidiaries, C&F Financial Statutory Trust II (Trust II) and C&F Financial Statutory Trust I (Trust I).(Source: 10-K)

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P O Box 391, 23181 Reno

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