Cardinal Financial Company Limited Partnership

Cardinal Financial Company is a full-service mortgage banking firm originating and closing first and second mortgage loans. It is an approved seller/servicer for the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. Additionally, Cardinal is an authorized lender for the Pennsylvania Housing Finance Agency for low and moderate-income borrowers. The company is a licensed mortgage banker in many states, mainly in the Eastern and Southeastern United States. Its retail and wholesale operation originates first and second mortgages offered to prime borrowers as well as those who are less creditworthy. Home equity loans, lines of credit and reverse mortgages for the elderly are also available. To satisfy title insurance needs, Cardinal s affiliate licensed title agency, known as Cardinal Settlement Services maintains its operations in the main office in Warminster, Pa. Cardinal also provides commercial loans through its commercial lending division.