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Community Reinvestment Act Notice

Under the Federal Community Reinvestment Act (CRA), the Federal Reserve Board (Board) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The Board also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their locations and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the Federal Reserve Bank of Richmond and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today.

At least 30 days before the beginning of each quarter, the Federal Reserve System publishes a list of the banks that are scheduled for CRA Examination by the Federal Reserve Bank in that quarter. This list is available from the Officer in Charge of Supervision, Federal Reserve Bank of Richmond, 701 East Byrd Street, Richmond, Virginia 23219. You may send written comments about our performance in helping to meet the community credit needs to the CRA Administrator, Bank of the James, 828 Main Street, Lynchburg, Virginia 24504 and the Officer in Charge of Supervision, Federal Reserve Bank of Richmond, 701 East Byrd Street, Richmond, Virginia 23219. Your letter, together with any response by us, will be considered by the Board of Governors in evaluating our CRA Performance and may be made public.

You may ask to look at any comments received by the Federal Reserve Bank of Richmond. You may also request from the Federal Reserve Bank of Richmond an announcement of applications covered by the CRA filed with the Federal Reserve Bank of Richmond. We are an affiliate of Bank of the James Financial Group, Inc., a bank holding company. You may request an announcement of applications covered by the CRA filed by bank holding companies from the Officer in Charge of Supervision, Federal Reserve Bank of Richmond, 701 East Byrd Street, Richmond, Virginia 23219.

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