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## Opinion 

In our opinion, the consolidated fmancial statements referred to above present fairly, in all material respects, the fmancial position of Blue Ridge Bankshares, Inc. and subsidiaries as of December 31, 2012 and 2011, and the results of their operations and their cash flows for the years then ended in accordance with accounting principles generally accepted in the United States of America. 

Harrisonburg, Virginia March 18, 2013 

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