Cardinal Financial (CFNL)

Executive Officers and Significant Officers

        The following information sets forth the names, ages, principal occupations and business experience for the past five years for all executive officers. Such information with respect to Bernard H. Clineburg, the Company's Chairman, President and Chief Executive Officer, is set forth above in the "Proposal 1—Election of Directors" section.

        Christopher W. Bergstrom, 45, has been President of Cardinal Bank since 2002. He was President and Chief Executive Officer of Cardinal Bank-Manassas/Prince William, N.A. from 1999 to 2002 when it merged with Cardinal Bank, N.A. Between 1982 and 1998, Mr. Bergstrom was employed with Crestar Bank where he served in a variety of retail and commercial functions including management of one of the organization's commercial banking divisions covering Northern Virginia, the District of Columbia and Southern Maryland.

        Robert E. Bradecamp, 51, has been Executive Vice President, Corporate Treasurer for Cardinal Bank since November 2004. From 1994 to 2004, he was employed by Riggs Bank, N.A. serving as Treasurer from 1996 to 2004 with duties that included interest rate risk management, liquidity management and portfolio management. Prior to joining Riggs, he was employed by MNC Financial Corp. serving various functions in their treasury area.

        Robert A. Cern, 54, has been our Executive Vice President and Chief Financial Officer since October 2004. From 2001 to 2004, he was Senior Vice President and Controller of Riggs Bank, N.A., and had similar functional responsibilities for Riggs National Corporation, both located in Washington, D.C. Prior to joining Riggs, he was Senior Vice President, Chief Financial Officer and Secretary of Permanent Bancorp, Inc. and its subsidiary, Permanent Bank, of Evansville, Indiana from 1998 to 2000.

        Carl E. Dodson, 50, has been our Executive Vice President and Chief Credit Officer since 1998 and our Chief Operating Officer since 2001. Mr. Dodson was the senior commercial lending officer of Palmer National Bank in Washington, D.C. from 1983 to 1998 and, following its sale to George Mason Bankshares in 1996, he was the Senior Vice President of Credit Administration of George Mason Bank (now United Bank of Virginia).

        Dennis M. Griffith, 56, has been the Executive Vice President of our Real Estate Lending Group since April 2002. From 1973 through 2001, Mr. Griffith was employed by Bank of America and its predecessor organizations. He held various real estate, lending and management positions including Manager of Commercial Real Estate for the metropolitan Washington, D.C. area.

        Kim C. Liddell, 44, has been our Executive Vice President and Chief Administrative Officer since March 2004. From 2001 to 2004, Mr. Liddell was employed by two community banks, SequoiaBank in Bethesda and Planters Bank in Staunton, where he was Senior Vice President responsible for the Retail Banking, Marketing, Small Business Lending, and Mortgage Banking divisions. From 1999 to 2001, Mr. Liddell was the retail sales manager for 87 branches of First Virginia Bank in Northern Virginia, and from 1984 to 1999, he worked his way up in that bank's Retail Banking Division from management trainee to regional sales manager for 23 branches in Northern Virginia.

        F. Kevin Reynolds, 45, has been President of Cardinal Bank since 1999 and our Executive Vice President and Senior Lending Officer since 1998. Prior to 1998, Mr. Reynolds was the senior lending officer responsible for all facets of the commercial lending business of George Mason Bank and helped create George Mason Bank's commercial lending group.

        Eleanor D. Schmidt, 44, has been with the Company since 1998. Since November 2004, she has served as the Executive Vice President for Regulatory Compliance and Deposit Operations. From 1998

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to 2004, she served as the Senior Vice President and then executive Vice President for Retail Banking, Marketing, Human Resources and Training. Prior to 1998, Ms. Schmidt was employed with NationsBank and its predecessor banks for over 17 years. Her responsibilities included Area Manager, training, lending and other positions of management in Northern Virginia.

        The following information sets forth as of February 28, 2005 the names, ages, principal occupations and business experience for the past five years for our other significant employees.

        D. Gene Merrill, 59, has been Chairman and Chief Executive Officer of George Mason Mortgage, LLC, ("George Mason") a subsidiary of Cardinal Bank, since 2004. Prior to 2004, he was the President and Chief Executive Officer of George Mason since 1993.

        H. Ed Dean, 36, has been President of George Mason since 2004. Prior to 2004, he was the Executive Vice President of George Mason since 1994.