Investment Commentary

Chief Investment Officer

April 13, 2013

The opinions contained herein are those of McKim Williams, Jr. as of the date of publication and are subject to change without notice.   The contents have been compiled or derived from sources believed reliable. Old Point Trust makes no representation or warranty, express or implied, in respect thereof, takes no responsibility for any errors and omissions which may be contained herein and accepts no liability whatsoever for any loss arising from any use of or reliance on this report or its contents. Old Point Trust, its affiliates and/or their respective officers, directors or employees may from time to time acquire, hold or sell securities mentioned herein.