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Home Source documents Blue Flame v. Chain Bridge — Bank Email on Handling $450M Wire (Exhibit 59)

Blue Flame v. Chain Bridge — Bank Email on Handling $450M Wire (Exhibit 59)

Date
2021-05-07

Summary

Exhibit 59, filed May 7, 2021 as Document 132-59 in Case 1:20-cv-00658-LMB-IDD, Blue Flame v. Chain Bridge, is a twelve-page internal email chain among Chain Bridge Bank, N.A. staff, also marked Plaintiff's Trial Exhibit 569. The thread, dated March 25, 2020 and March 26, 2020, discusses an expected wire for Blue Flame Medical from the State of California. In the messages, bank officers discuss confirming the information, the size of the deposit relative to the bank's assets, preparing ICS paperwork and a shadow account, and an ICS maximum limit of $125 mil. A wire transfer notice dated 3/26/20 records an incoming wire of $456,888,600.00 from the California State Treasurer to Blue Flame Medical LLC. The final messages from the bank's chief executive officer and president say to hold the client off and stand down while they communicate with the State.

Summary drafted by a model from the document's text below and checked by script against that text before publication. It is a navigation aid, not a reading of what the document proves. Where AI is used

Full text

Case 1:20-cv-00658-LMB-IDD   Document 132-59   Filed 05/07/21   Page 1 of 12
                              PageID# 3003




    EXHIBIT 59
To:           Case
           Maria     1:20-cv-00658-LMB-IDD Heather
                 Cole[mcole@chainbridgebank.com];     Document    132-59 Filed 05/07/21 PageDavid
                                                            Schoeppe[HSchoeppe@chainbridgebank.com]; 2 of M.
                                                                                                          12
Evinger[DEvinger@chainbridgebank.com]; Mike              PageID#  3004
                                              Richardson[mrichardson@chainbridgebank .com]; Joanna
Williamsonuwilliamson@chainbridgebank.com]
From:     John J. Brough
Sent:     Thur 3/26/2020 1 :34:41 PM
Subject:   RE: Blue Flame Medical incoming wire 450 million

 That was the right thing to do . We will let you know when we have resolution .


 John J. Brough
 Chief Executive Officer
 Chain Bridge Bank, N.A.
 (703) 748-7384 Direct
 (703) 748-2005 Main
 (703) 216-5477 Cell
 (703) 748-2007 Fax

 1445-A Laughlin Avenue
 McLean, VA 22101

 www.chainbridgebank.com

 From: Maria Cole <mcole@chainbridgebank.com>
Sent: Thursday, March 26, 2020 1:34 PM
To: John J. Brough <JBrough@chainbridgebank.com>; Heather Schoeppe <HSchoeppe@chainbridgebank.com>; David M.
 Evinger <DEvinger@chainbridgebank.com>; Mike Richardson <mrichardson@chainbridgebank.com>; Joanna Williamson
 <jwilliamson@chainbridgebank.com>
Subject: RE: Blue Flame Medical incoming wire 450 million

 He just tried my cell phone. I didn' t answered .



 Maria Cole
Assistant Vice President &
 Commercial Relationship Manager
 Chain Bridge Bank, N.A.
 (703) 748-3432 Direct
 (571) 405-0600 Cell
 (703) 748-2005 Main
 (703) 748-2007 Fax

 1445-A Laughlin Avenue
 McLean, VA 22101

 From: John J. Brough <JBrough@chainbridgebank.com >
Sent: Thursday, March 26, 2020 1:27 PM
To: Heather Schoeppe <HSchoeppe@chainbridgebank.com >; David M. Evinger <DEvinger@chainbridgebank.com >; Mike
 Richardson <mrichardson@chainbridgebank.com >; Joanna Williamson < jwilliamson@chainbridgebank.com>
Cc: Maria Cole <mcole@chainbridgebank.com >
Subject: RE: Blue Flame Medical incoming wire 450 million

 TY. Continue to hold him off.


 John J. Brough
 Chief Executive Officer
 Chain Bridge Bank, N.A.
 (703) 748-7384 Direct                                                              Plaintiff's
                                                                                   Trial Exhibit
                                                                                        569

CONFIDENTIAL                                                                                              CBB00000661
             CaseMain
 (703) 748-2005   1:20-cv-00658-LMB-IDD             Document 132-59          Filed 05/07/21       Page 3 of 12
 (703) 216-5477 Cell                                 PageID# 3005
 (703) 748-2007 Fax

 1445-A Laughlin Avenue
 McLean, VA 22101

 www.chainbridgebank.com

 From: Heather Schoeppe <HSchoeppe@chainbridgebank.com>
Sent: Thursday, March 26, 2020 1:27 PM
To: David M. Evinger <DEvinger@chainbridgebank.com >; Mike Richardson <mrichardson@chainbridgebank.com >; John J.
 Brough <JBrough@chainbridgebank.com>; Joanna Williamson < jwil liamson@chainbridgebank.com>
Cc: Maria Cole <mcole@ chainbridgebank.com >
Subject: RE: Blue Flame Medical incoming wire 450 million

 Mike Gula just called the main number and we did not answer it. Just wanted you to know .


 Heather Schoeppe
 Senior Vice President and Branch Manager
 Chain Bridge Bank, N.A.
 (703) 748-2005 Office
 (703) 748-7383 Direct
 (703) 748-2007 Fax

 1445-A Laughlin Avenue
 McLean, VA 22101

 www .chainbridgebank.com

 From: David M. Evinger <DEvinger@chainbridgebank.com >
Sent: Thursday, March 26, 2020 12:30 PM
To: Mike Richardson <mricha rdson@chainbridgebank.com >; John J. Brough <JBrough@cha inbridgebank.com >; Joanna
 Williamson <jwilliamson@chainbridgebank.com >
Cc: Heather Schoeppe <HSchoeppe@chainbridgebank.com >; Maria Cole <mcole@chainbridgebank.com >
Subject: RE: Blue Flame Medical incoming wire 450 million

 John and I are in communication with the State of CA. Stand down for now.


 David M. Evinger
 President & Chief Credit Officer
 Chain Bridge Bank, N.A.
 (703) 748-7389 Direct
 (703) 593-1672 Cel l

 From: Mike Richardson <mrichardson@chainbridgebank.com >
Sent: Thursday, March 26, 2020 12:29 PM
To: John J. Brough <JBrough@chainbridgebank.com >; David M . Evinger <DEvinger@chainbridgebank.com >; Joanna Williamson
 <jwilliamson@chainbridgebank.com>
Cc: Heather Schoeppe <HSchoeppe@chainbridgebank.com >; Maria Cole <mcole@ch ainbridgebank.com >
Subject: FW: Blue Flame Medical incoming wire 450 million

 Everyone - the wire from the State of California was received @ 15 m inutes ago. See the details Claudia passed along below.

 We have the ICS documentation ready and, once we have the instructions from you and David, will be sending to Mike Gula
 to sign so that these funds can be moved off balance sheet.




CONFIDENTIAL                                                                                                    CBB00000662
              Case 1:20-cv-00658-LMB-IDD          Document 132-59         Filed 05/07/21   Page 4 of 12
                                                    PageID#
 However, the ICS program has a maximum limit of $125 mil.  3006

 Need to have some clarity around how long these funds would be on deposit.

 MR


 Mike Richardson
 Senior Vice President &
 Commercial Banking Manager
 Chain Bridge Bank, N.A.
 Direct 703-7 48-207 4
 Cell    571-329-7456
 Main    703-7 48-2005


 From: Claudia A. Mojica
Sent: Thursday, March 26, 2020 12:06 PM
To: Mike Richardson <mrichardson@chainbridgebank.com >; Rick Claburn <rclaburn@chainbridgebank.com >; Mada Cole
 <mcole@chainbridgebank.com >
Cc: Heather Schoeppe <HSchoeppe@chainbridgebank.com >; Wires <Wires@chainbridgebank.com >
Subject: RE: Blue Flame Medical incoming wire 450 million

 Here you go Mike:

 WIRE TRANSFER NOTICE

 3/26/20
chain Bridge Bank NA
McLean, VA 22101
                                   INCOMING WIRE TRANSFER
      IMAD:           20200326BlQGC06C006570
      OMAD:           20200326MMQFMPCZ00001103261155FT01
      Amount of Wire:                          $456,888,600.00
      Credit Account:                          Acct Ending 7459
      Originator:                              CALIFORNIA STATE TREASURER
      Originator Address:                      CONCENTRATION ACCOUNT
                                               915 CAPITOL MALL RM 319
      Originator Bank:                         JPMORGAN CHASE
      Originator Bank ABA:                     021000021
      Originator to Beneficiary:               BY ORDER OF DEPARTMENT OF GENERAL
                                               SERVICES


      wire Fee:           $.00
Beneficiary:
    Blue Flame Medical LLC
    499 S Capitol St, SW, Ste 420
    Washington DC 20003


 chain Bridge Bank NA wire Department


 ***This is an automated email. Please do not respond to this email. ***

 C ~ A . Mojica,,


CONFIDENTIAL                                                                                            CBB00000663
             Case 1:20-cv-00658-LMB-IDD
 Operations Technician II
                                                     Document 132-59    Filed 05/07/21     Page 5 of 12
                                                      PageID# 3007
 Chain Bridge Bank, N.A.
  (703) 748-2078 Direct
(703) 748-3430 Operations
  (703) 942-8891 Fax

 6718 Whittier Ave Ste 120
 McLean, VA 22101

 www .chainbridgebank.com

 From: Mike Richardson <mrichardson@chainbridgebank.com >
Sent: Thursday, March 26, 2020 12 :01 PM
To: Rick Claburn <rclaburn@chainbridgebank.com >; Maria Cole <mcole@chainbridgebank.com >
Cc: Heather Schoeppe <HSchoeppe@chainbridgebank.com >; Wires <Wires@chainbridgebank.com >
Subject: RE : Blue Flame Medical incoming wire 450 million

 Rick- can you forward the details on the incoming wire?
 Thanks
 MR

 Mike Richardson
 Senior Vice President &
 Commercial Banking Manager
 Cha in Bri dge Ban k, N.A.
 Direct 703-7 48-207 4
 Cell    571-329-7456
 Ma in   703-7 48-2005


 From: Rick Claburn
Sent: Thursday, March 26, 2020 11:58 AM
To: Maria Cole <m cole@chainbridgebank.com >; Mike Richardson <mrichardson@chainbridgebank.com >
Cc: Heather Schoeppe <HSchoeppe@chainbridgebank.com >; Wires <Wires@ chainbridgebank.com >
Subject: RE : Blue Flame Medical incoming wire 450 million

 Hi Maria,

 The wire has been received and credited to the client's account.

 Best Regards,


 Rick Claburn
 Operations Associate
 Chain Bridge Bank, N.A.
 703-748-3439 Direct
703-748-3430 Main
 703-942-8891 Fax

 1445-A Laughlin Avenue
 McLean, VA 22101

 www.chainbridgebank.com

 From: Maria Cole
Sent: Thursday, March 26, 2020 11 :12 AM




CONFIDENTIAL                                                                                          CBB00000664
              Case 1:20-cv-00658-LMB-IDD
To: Mike Richardson <mrichardson@chainbridgebank.com >
                                                       Document 132-59          Filed 05/07/21        Page 6 of 12
                                                       PageID# 3008
Cc: Heather Schoeppe <HSchoeppe@chainbridgebank.com >; Wires <Wires@chainbridgebank.com >
Subject: RE: Blue Flame Medical incoming wire 450 million

 John Thomas just called me asking if the wire already hit their account. They are expecting it today, they were told it wa s
 going to be sent at 8:00 am Western Time.
 I told them they are set up for wire notifications, both him and Mike Gula .

 This is just an update.

 Best,



 Maria Cole
Assistant Vice President &
 Commercial Relationship Manager
 Chain Bridge Bank, N.A.
 (703) 748-3432 Direct
 (571) 405-0600 Cell
 (703) 748-2005 Main
 (703) 748-2007 Fax

 1445-A Laughlin Avenue
 McLean, VA 22101

 From: Mike Richardson <mrichardson@chainbridgebank.com >
Sent: Thursday, March 26, 2020 9:30 AM
To: Maria Cole <mcole@chainbridgebank.com >
Cc: Heather Schoeppe <HSchoeppe@chainbridgebank.com >
Subject: RE: Blue Flame Medical incoming wire 450 million

 No rush on it.
 Thanks
 MR


 Mike Richardson
 Senior Vice President &
 Commercial Banking Manager
 Chain Bridge Ban k, N.A.
 Direct 703-7 48-207 4
 Cell    571-329-7456
 Main    703-7 48-2005


 From: Maria Cole
Sent: Thursday, March 26, 2020 9:30 AM
To: Mike Richardson <mrichardson@chainbridgebank.com >
Cc: Heather Schoeppe <HSchoeppe@chainbridgebank.com >
Subject: RE: Blue Flame Medical incoming wire 450 million

 I just have to request a transfer for Stephanie Fenjiro and will get this account ready ... will let you know when ready.


 Maria Cole
Assistant Vice President &
 Commercial Relationship Manager




CONFIDENTIAL                                                                                                        CBB00000665
 Chain Bridge Case  1:20-cv-00658-LMB-IDD
              Bank, N.A.                                Document 132-59            Filed 05/07/21        Page 7 of 12
 (703) 748-3432 Direct                                   PageID# 3009
 (571) 405-0600 Cell
 (703) 748-2005 Main
 (703) 748-2007 Fax

 1445-A Laughlin Avenue
 McLean, VA 22101

 From: Mike Richardson <mrichardson@chainbridgebank.com >
Sent: Thursday, March 26, 2020 9:27 AM
To: Maria Cole <mcol e @chainbridgebank.com >
Cc: Heather Schoeppe <HSchoeppe@chainbridgebank.com >
Subject: RE: Blue Flame Medical incoming wire 450 million

 Don't upload yet. We'll wait on this to go live.
 I'll have the ICS Agreement ready in the next 10 m inutes.
 MR


 Mike Richardson
 Senior Vice President &
 Commercial Banking Manager
 Chain Bridge Bank, N.A.
 Direct 703-7 48-207 4
 Cell    571-329-7456
 Main    703-7 48-2005


 From: Maria Cole
Sent: Thursday, March 26, 2020 9:25 AM
To: Mike Richardson <mrichardson@chainbridgebank.com >
Cc: Heather Schoeppe < HSchoeppe@chainbridgebank.com >
Subject: RE: Blue Flame Medical incoming wire 450 million

 Awesome. Thanks M ike. I couldn ' t rem ember the numbers upfront .... ! think I got it from there . Do you want me to upload it
 of just wait?

 Best,
 Maria

 From: Mike Richardson <mrichardson@chainbridgebank.com>
Sent: Thursday, March 26, 2020 9:22 AM
To: Maria Cole <mcole@chainbridgebank.com >
Cc: Heather Schoeppe <HSchoeppe@chainbridgebank.com >
Subject: RE : Blue Flame Medical incoming wire 450 million

 Hey Maria - ICS shadow accounts wil l be 2199+the last 6 digits of the account it will be lin ked to, so in this case the last 6
 digits of the Blue Flame Medica l account that was opened yesterday.

 You will have to select "ICS Shadow Acct" in th e account type field on the first screen of the account openi ng.

 Let me know if you have ?'s
 Thanks
 MR


 Mike Richardson



CONFIDENTIAL                                                                                                            CBB00000666
             Case 1:20-cv-00658-LMB-IDD
 Senior Vice President &                               Document 132-59          Filed 05/07/21       Page 8 of 12
 Commercial Banking Manager                             PageID# 3010
 Chain Bridge Bank, N.A.
 Direct 703-7 48-207 4
 Cell    571-329-7456
 Main    703-7 48-2005


 From: Maria Cole
Sent: Wednesday, March 25, 2020 6:50 PM
To: Mike Richardson <mrichard son@chainb ridgebank.com >
Cc: Heather Schoeppe <HSchoeppe@chainbridgebank.com>
Subject: Re: Blue Flame Medical incoming wire 450 million

 Sure thing Mike! I will do this first thing in the morning.
 Just finished up his wire agreement and sent it via DocuSign.

 The shadow account starts with 2300 ***** ?

 Thanks and have a great evening!

 Best,
 Maria

 Sent from my iPhone



         On Mar 25, 2020, at 6:34 PM, Mike Richardson <mrichardson@chainbridgebank.com > wrote:

          Hey Heather - yeah I'm skeptical of this whole thing too.
          In any event, will monitor and adjust as needed . I don't believe any funds were transferred in today. He may be
         opening himself up if he provides wire instructions to this group that supposedly is sending him funds. So we
         should be on the lookout for potential fraudulent transactions .

         I'll work up the ICS agreement just in case and Maria, can you work up the ICS shadow account and not upload
         yet?

         Thanks and let me know if there are questions.
         MR

         Mike Richardson
         Sr. Vice President &
         Commercial Banking Manager
         Chain Bridge Bank
         703-748-2074

         Sent from my Verizon Wireless mobile device



               On Mar 25, 2020, at 5:46 PM, Heather Schoeppe <HSchoeppe@chainbridgebank.com> wrote:



               Hi Mike,
               John and David were going to reach out to him to confirm the information b/c they are very
               skeptical about this. If it ends up being real , then we discussed putting them on ICS. Would it be
               possible for Maria to prepare ICS paperwork tomorrow in case it goes that way? They said we
               would need it off of the books asap. They just think it seems very strange a company established 2




CONFIDENTIAL                                                                                                         CBB00000667
             Case
             days ago1:20-cv-00658-LMB-IDD          Document
                        would get awarded this huge contract from132-59
                                                                  California. Filed   05/07/21
                                                                              I'll keep            Page
                                                                                        you posted and    9 ks
                                                                                                       than offor
                                                                                                               12
             tell ing me to reach out to them .       PageID#    3011

             Have a great evening,
             Heather


             Heather Schoeppe
             Senior Vice President and Branch Manager
             Chain Bridge Bank, N.A.
             (703) 748-2005 Office
             (703) 748-7383 Direct
             (703) 748-2007 Fax

             1445-A Laughlin Avenue
             McLean, VA 22101

             www .chainbridgebank.com

               From: Mike Richardson <mrichardson@ chainbridgebank.com >
Sent: Wednesday, March 25, 2020 5:12 PM
To: Heather Schoeppe <HSchoeppe@chainbridgebank.com>
Subject: RE: Blue Flame Medical incoming wire 450 million

             Hey Heather - tried to call you but missed you . . . checking to see what the verdict was on this
             anticipated wire.
             Thanks
             MR


             Mike Richardson
             Senior Vice President &
             Commercial Banking Manager
             Chain Bridge Bank, N.A.
             Direct 703-748-2074
             Cell    571-329-7456
             Main    703-7 48-2005

               From: Heather Schoeppe
Sent: Wednesday, March 25, 2020 4 :31 PM
To: John J. Brough <JBrough@chainbridgebank.com >; Mike Richardson <mrichardson@chainbridgebank.com >;
               Joanna Williamson < jwilliamson@chainbridgebank.com>
Subject: RE: Blue Flame Medical incoming wire 450 million

             Call me back



             Heather Schoeppe
             Senior Vice President and Branch Manager
             Chain Bridge Bank, N.A.
             (703) 748-2005 Office
             (703) 748-7383 Direct
             (703) 748-2007 Fax

             1445-A Laugh lin Avenue
             McLean, VA 22101

             www.chainbridgebank.com




CONFIDENTIAL                                                                                                     CBB00000668
            Case 1:20-cv-00658-LMB-IDD           Document 132-59               Filed 05/07/21        Page 10 of 12
                                                    PageID# 3012
              From: John J. Brough <JBrough@chainbridgebank.com >
Sent: Wednesday, March 25, 2020 4:31 PM
To: Heather Schoeppe <HSchoeppe @chainbridgebank.com >; Mike Richardson
               <mri chardson@chainbridgebank.com >; Joanna Williamson < jwilliamson@chainbridgebank.com >
Subject: RE: Blue Flame Medical incoming wire 450 million

              I'm on the phone with David. Trying to conference you in Heather.

             John


             John J. Brough
             Chief Executive Officer
             Chain Bridge Bank, N.A.
             (703) 748-7384 Direct
             (703) 748-2005 Main
             (703) 216-5477 Cell
             (703) 748-2007 Fax

              1445-A Laughlin Avenue
              McLean, VA 22101

             www .chainbridgebank.com

              From: Heather Schoeppe <HSchoeppe@chainbridgebank.com >
Sent: Wednesday, March 25, 2020 4:22 PM
To: Mike Richardson <mri chardson@chainbridgebank.com >; John J. Brough <JBrough@chainbridgebank.com >;
              Joanna Williamson < jwilliamson@chainbridgebank.com>
Subject: FW: Blue Flame Medical incoming wire 450 million
Importance: High

             John and Joanna,
             We opened and account today for Blue Flame Medical/Mike Gula and he is expecting a wire in
             today for 450 Million from the State of California . Mike Gula said the Governor of California just
             announced that California is buying 100 M illion N95 masks from China and will be deploying them.
             Mike's company Blue Flame Medical received the contract. He said the money should be in today
             and will be spent out fairly rapidly as China produces the masks and they pay them . He said he
             understands that the timing is important to us and can give us more information tomorrow on the
             timing of payments out of the account.

              I will call you right away, but wanted you to see this in case I can't reach you immediately.

             Thanks,
             Heather


              Heather Schoeppe
             Senior Vice President and Branch Manager
             Chain Bridge Bank, N.A.
             (703) 748-2005 Office
             (703) 748-7383 Direct
             (703) 748-2007 Fax

              1445-A Laughlin Avenue
              McLean, VA 22101

             www .chainbridgebank.com




CONFIDENTIAL                                                                                                       CBB00000669
           Case 1:20-cv-00658-LMB-IDD           Document 132-59 Filed 05/07/21                    Page 11 of 12
                                                  PageID# 3013
             From: Mike Richardson <mri chardson@chainbridgebank.com>
Sent: Wednesday, March 25, 2020 4:00 PM
To: Heather Schoeppe <HSchoeppe@ chainbridgebank.com>
Cc: Wires <Wires@chainbridgebank.com >; Commercial Banking <commercialbanking@chainbridgebank.com >
Subject: Re: Blue Flame Medical incoming wire

             Anything of that size would need to be known on the front end because that' s half our asset size
             and could be problems on our capital ratios.

             Please reach out to confirm and let's talk with John and Joanna if it turns out to be something that
             massive.
             MR

             Mike Richardson
             Sr. Vice President &
             Commercial Banking Manager
             Chain Bridge Bank
             703-748-2074

             Sent from my Verizon Wireless mobile device



                   On Mar 25, 2020, at 3:54 PM , Heather Schoeppe
                   <HSchoeppe@chainbridgebank.com > wrote :



                   He actually said 450 million. I was hoping Maria knew about it already b/c it is pretty
                   crazy and would explain why he is going crazy today. If not, then maybe someone
                   should reach out to discuss further to see what it's all about and the timeline of how
                   long it will be here. I'm happy to do it if you want.


                   Heather Schoeppe
                   Senior Vice President and Branch Manager
                   Chain Bridge Bank, N.A.
                   (703) 748-2005 Office
                   (703) 748-7383 Direct
                   (703) 748-2007 Fax

                   1445-A Laughlin Avenue
                   McLean, VA 22101

                   www.chainbridgebank.com

                      From: Mike Richardson <mrichardson@chainbridgebank.com >
Sent: Wednesday, March 25, 2020 3:53 PM
To: Heather Schoeppe <HSchoeppe@chainbridgebank.com>; Wires <Wires@chainbridgebank.com >
Cc: Commercial Banking <comm ercialbanking@chainbridgebank.com >
Subject: RE: Blue Flame Medical incoming wire

                   Heather - I hope you're using "M" as roman numeral for thousands and not "M" for
                   millions. ©
                   MR


                   Mike Richardson
                   Senior Vice President &



CONFIDENTIAL                                                                                                        CBB00000670
           Case 1:20-cv-00658-LMB-IDD
                 Commercial Banking ManagerDocument 132-59                  Filed 05/07/21       Page 12 of 12
                 Chain Bridge Bank, N.A.     PageID# 3014
                   Direct 703-748-2074
                   Cell   571-329-7456
                   Main   703-7 48-2005

                     From: Heather Schoeppe
Sent: Wednesday, March 25, 2020 3:31 PM
To: Wires <Wires@chainbridgebank.com >
Cc: Commercial Banking <commercialbanking@chainbridgebank.com >
Subject: Blue Flame Medical incoming wire

                   Mike Gula with Blue Flame Medical is expecting a wire from the state of California for
                   450M. and he would like to be contacted at 202-255-9745 as soon as we receive the
                   funds .

                   Thank You,
                   Heather


                   Heather Schoeppe
                   Senior Vice President and Branch Manager
                   Chain Bridge Bank, N.A.
                   (703) 748-2005 Office
                   (703) 748-7383 Direct
                   (703) 748-2007 Fax

                   1445-A Laughlin Avenue
                   McLean, VA 22101

                   www.chainbridgebank.com




CONFIDENTIAL                                                                                                CBB00000671


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