July 1, 2020

Dear valued C&F Customers:

Today marks Virginia’s transition to Phase III of reopening many elements of our public life from COVID-19 pandemic restrictions. Words still cannot fully express how challenging these past few months have been for everyone in the C&F family, to include our customers, employees, and all institutions of the communities we serve. Simultaneously, we’re heartened by the spirit we see rising to meet this challenge. It’s true: when the going gets tough, the tough do get going.

Even though Virginia is moving to Phase III, we’re not quite ready to re-open our branch lobbies just yet. We simply lean to the safe-side when it comes to your wellbeing and that of our C&F teammates, though we’ll continue to assess the situation and make a best decision for everyone concerned. As usual, please check for status updates on cffc.com and our various social sites – Facebook, Instagram, Twitter, and LinkedIn.

In the meantime, we’ll continue to serve you via our drive thru facilities, ATMs, Customer Support Center, and C&F Digital Services. However, if you have a need you feel cannot be met with any of the channels listed above, we’ll be happy to schedule a convenient time for you to visit with us. I would specifically draw your attention to our Personal and Business Digital Services Guides which will give you all the information you need to understand and enroll in these incredibly convenient services. “Contactless” mobile payment services like Apple Pay, Samsung Pay, and Google Pay are becoming much more popular because you can pay for purchases without touching foreign surfaces. I encourage you to learn more about Mobile Pay and call us if you have questions or would like help getting yours set up.

Thank you again for banking with us and stay well.

Matthew H. Steilberg
Director of Retail Banking

June 1, 2020

Thank you for continuing to bank with us – especially during these last few months when we’ve had to limit lobby access. While we’ve figured out how to meet most customer needs via our drive thru, ATMs, digital services, and telephone conversations the fact of the matter is…we miss you and we look forward to having you visit our lobbies again soon.

We remain open for lobby visits by appointment only. Please call us if you have a need you feel cannot be met with any of the channels listed above and we’ll be happy to schedule a convenient time for you to visit with us.

And if you do come for a visit to one of our branches, please follow the instructions below to reduce risk of infection for all concerned…we call this our “C&F Six” of health and wellness!

Wear a mask  Sanitize your hands  Sign in with a C&F representative  Use your own pen  Maintain six feet social distance  Avoid touching surfaces

* Public restrooms unavailable at this time. Thank you for your cooperation and your business.

March 18, 2020

Dear C&F and Peoples Community customers:

We continue to respond to the Coronavirus (COVID-19) pandemic by implementing and continually modifying our Business Continuity Plan. Accordingly, I want to make you aware of several key decisions and developments:

Given the growing threat posed by the coronavirus (COVID-19), we have made the decision to temporarily close the lobbies of our branch locations to protect our employees and customers, including our C&F branches doing business as Peoples Community Bank on the Northern Neck. Drive-thru and night deposit services will be open for business as usual at all locations with the exceptions of Newport News/City Center and Charlottesville Mall which do not offer drive-thru services.

• The Newport News-City Center and Charlottesville Mall branches will remain open with limited access.
• We highly encourage you to utilize our online/mobile banking services or call us before you visit a branch location as there are many ways to accomplish most banking transactions without visiting a branch or even the drive through.
• Telephone numbers for all C&F locations are available at cffc.com and Peoples Community branches at peoplescommunitybank.biz as well as information and enrollment instructions for our online and mobile banking services. C&F Customer Support is available 8:00am-7:00pm Monday – Friday and 9:00am-12:00pm on Saturdays by calling 800.296.6246.
• Please call us if you have a need you believe cannot be handled at the drive-thru and we’ll be happy to offer other options to take care of you, including an appointment to visit with one of our representatives if necessary.

We’re taking additional steps to protect our own employees. Many of our employees are now working remotely to accomplish “social distancing”, which lessens the odds of infection. Additionally, C&F employees with certain pre-existing health conditions have been given the option to work from home with no impact to pay or benefits. We continue to strengthen custodial services for all locations as well as the supply of sanitizer and other disinfecting agents

Please check your email as well as our internet sites (cffc.com, peoplescommunitybank.biz, Facebook, Twitter, Instagram, and LinkedIn) for the latest information on C&F’s response to COVID-19. This is where you’ll also find any additional changes to our services and hours of operation as we continue to face this crisis.

Thank you for your business and your patience during this difficult time. Please remember, you can connect with me anytime for questions and/or concerns via the Talk to the Top link at cffc.com.

Matthew H. Steilberg
Director of Retail Banking

March 24, 2020

To our valued C&F customers:

While COVID-19 persists, we continue to be here to serve you. Governor Northam has announced further closures and restrictions on certain industries, however banks are considered “essential services” during State of Emergency declarations and are not under closure order at this time. Accordingly, drive through services of our C&F and Peoples Community Bank branches are open to serve you with normal hours of operation. If you have a need that cannot be served at the drive through just let us know at the window – or call Customer Support at 800.296.6246 – and we’ll make arrangements to ensure you are served.

Here are several additional updates for you:

• We’re making it even easier to go digital. Our new C&F Digital Services Guide makes understanding and using these services to make deposits, pay for purchases, and get alerts for transactions posting to your account easy. Click below to review and enroll – and be sure to call us if you have any questions, we’ll be happy to walk you through each step.

Digital Services Guide

• Caring for our customers and the community. The COVID-19 pandemic is taking a heavy economic toll on individuals, families, and businesses and we’re here to help. Please contact your local branch or Customer Support at 800.296.6246 if you’re among those already impacted and think you may need further assistance.
• Caring for our employees. Many of you have called with or sent nice notes of appreciation for the hard-working C&F/Peoples Community employees who serve you. I assure you, their well-being will always be a top priority for us. Many who can do so are working from home and others who have other health conditions are being accommodated as well. I’m especially thankful for those who are bravely continuing to serve customers and we are going the extra mile to offer safety support to them. Thank you, again, for the nice messages you have sent. You can always contact us via Talk to the Top, found near the online banking sign-in box at cffc.com with compliments, concerns, or questions.

Please continue checking your email as well as our internet sites (cffc.com, peoplescommunitybank.biz, Facebook, Twitter, Instagram, and LinkedIn) for the latest information on C&F’s response to COVID-19. This is where you’ll also find updates to our services and hours of operation, as circumstances continue to change quickly. Lastly, thanks for your business and loyalty to our company, it means a great deal to all of us.
Sincerely,

Thomas F. Cherry
President and CEO

April 8, 2020

I sincerely hope this message finds you and your family healthy during this trying time in our nation’s history. Here are several updates I’d like to share with you as we continue to face this great challenge together.

Our branches and customer support center continue to be open for regular hours to serve you. While our lobbies are open by appointment only, we can take care of any need you might have if you visit our drive-through facilities or call one of our customer service associates. And as we have frequently mentioned, our personal and business digital banking services will also serve most any banking need you have; if you’re not taking advantage of them yet, I encourage you to access our new digital services guide, contact us to learn more, and enroll in the ones that will help you with your needs.

Personal Digital Services Guide

Our local economy has been drastically impacted by this pandemic and we are here to help. We have made great progress processing the SBA’s Payroll Protection loan program over the last two weeks, designed to support America’s small business payrolls and encourage retention of employees. Please visit our business resources page via the link below or contact your local branch and we’ll be happy to see if this is a good option for your business.

Business Resources

I would like to earnestly thank all our hard-working C&F and Peoples Community associates across all our subsidiaries who are courageously working hard to deliver our services to you. The spirit and commitment they are showing is truly representative of what makes America great. I am proud of them and I hope you are too. Lastly, I encourage you to continue following the guidance of national and state health agencies to keep you and your family safe. Again, please don’t hesitate to call us if you have a question or there’s something we can do to serve you and thank you, as always, for your business with us.

Thomas F. Cherry
President and Chief Executive Officer

March 13, 2020

The health and safety of our customers, as well as team members, remains our top priority for C&F Bank. As the coronavirus (COVID-19) situation evolves, we want to assure you that we are taking significant precautionary measures and adhering to recommendations from public health officials, as well as continuing to maintain our high standards of cleanliness.
We actively maintain formal Emergency Response and Business Continuity Plans to serve and protect customers and employees against different types of threats, including health events such as COVID-19. The priorities of these plans are to (1) protect our customers, employees, and the communities we serve and (2) continue providing banking services without interruption to individuals, families, and businesses. Several weeks ago, we began assessing and adding to our plans as the potential for COVID-19 to develop into a widespread health threat grew.

Steps we're taking to protect customers and employees

Our branch network is here to serve you and we are working hard to make sure each is properly cleaned and sanitized daily, including working with our service providers to ensure they are taking additional steps in their cleaning processes to keep us all safe. All of our locations, except Newport News/City Center and Charlottesville Mall, offer drive thru services; click here for locations and hours of all C&F Bank locations.

We're also educating our employees on how to avoid contracting viruses such as COVID-19 and encouraging them to see their physician/stay at home if they believe they are ill. The key is to follow the advice of health resources, several of which I've listed below, and we are doing this.

We offer many ways for you to conduct your banking transactions

We are pleased to offer robust online and mobile banking services and here are links to help you with them if you're not already familiar:

• Online Banking
• Mobile Banking with Mobile Deposit
• Mobile Wallet

Our Customer Support Team is available from 8am to 7pm Monday through Friday and from 9am to 12pm on Saturdays by calling 800.296.6246. Many of our customers also enjoy using our Telebank service, which is available 24/7 by calling 800.296.4968. It's always been important to us that we provide multiple options to conduct your banking business; we're happy to help you with any of these options if you've not used them before, simply call or stop by to see one of our representatives and we'll help you right away.

Need more information on COVID-19?

The Center for Disease Control (CDC) https://www.cdc.gov/ and Virginia Department of Health (VDH) http://www.vdh.virginia.gov/coronavirus are excellent resources and we encourage you to visit these for direction and advice on how to protect you and your family from COVID-19.

As always, thank you.

Good business relationships are founded upon trust and transparency and that's why I wanted to send you this update. I appreciate your loyalty to our bank and one way I can thank you is to be forthcoming when challenges like COVID-19 come along. I will always insist we keep your safety and financial well-being as priorities for our bank, and I promise to keep you posted on developments as we monitor this situation very closely. You can also look for updates on our response at cffc.com and our social sites such as Facebook, Twitter, and Instagram.

Sincerely,

Thomas F. Cherry
President and Chief Executive Officer