Wayne Charles Berry

Virginia Capital Management Group, Inc. (Virginia Capital) is an independent asset management firm headquartered in Virginia Beach, Virginia. The firm was co-founded by Wayne Berry, Rudy Masters, and Gene Woolard in 1991. Virginia Capital provides advisory services to individual clients and pension and profit-sharing plans.

Virginia National Bank provides banking and financial services. The firm operates through two segments: The Commercial Bank and VNB Trust. The Commercial Bank segment involves making loans and generating deposits from individuals and businesses. The VNB Trust segment offers services, which include investment management, trust account administration and estate planning. It offers personal banking, business banking and treasury management services. The company was founded on July 29, 1998 and is headquartered in Charlottesville, VA.

The Group's principal activity is to originate, securitize and sell non-conforming mortgage loans that are secured by first mortgages on one- to four-family residential properties. The Group provides mortgage loans through two distribution channels - wholesale and retail. The Group originates wholesale mortgage loans indirectly through independent mortgage brokers and other real estate professionals who submit loan applications on behalf of borrowers. It originates most of its wholesale mortgage loans through a network of approximately 3,200 brokers in 34 states. The Group develops retail loan leads primarily through telemarketing, Internet leads, direct mail, radio advertising, origination centers and retail offices. The Group primarily conducts its broker lending operations out of its Woodbury, New York headquarters.