Altria has a leading portfolio of tobacco products for U.S. tobacco consumers age 21+. Altria’s Vision by 2030 is to responsibly lead the transition of adult smokers to a smoke-free future (Vision). Altria is Moving Beyond Smoking™, leading the way in moving adult smokers away from cigarettes by taking action to transition millions to potentially less harmful choices – believing it is a substantial opportunity for adult tobacco consumers, Altria’s businesses and society.

Altria’s wholly owned subsidiaries include leading manufacturers of both combustible and smoke-free products. In combustibles, Altria owns Philip Morris USA Inc. (PM USA), the most profitable U.S. cigarette manufacturer, and John Middleton Co. (Middleton), a leading U.S. cigar manufacturer. Altria’s smoke-free portfolio includes ownership of U.S. Smokeless Tobacco Company LLC (USSTC), the leading global moist smokeless tobacco (MST) manufacturer, and Helix Innovations LLC (Helix), a rapidly growing manufacturer of oral nicotine pouches. Altria also enhances its smoke-free product portfolio with exclusive U.S. commercialization rights to the IQOSTobacco Heating System® and Marlboro HeatSticks®, and an equity investment in JUUL Labs, Inc. (JUUL).

Altria also owns equity investments in Anheuser-Busch InBev SA/NV (ABI), the world’s largest brewer, and Cronos Group Inc. (Cronos), a leading Canadian cannabinoid company.

The brand portfolios of Altria’s tobacco operating companies include Marlboro®, Black & Mild®, Copenhagen®, Skoal® and on!®. Trademarks and service marks related to Altria referenced in this release are the property of Altria or its subsidiaries or are used with permission.

Learn more about Altria at www.altria.com and follow us on Twitter, Facebook and LinkedIn.

TowneBank | Our Story

Founded in 1999, TowneBank remains one of the largest banks ever chartered in Virginia. Named in 2021 as the #16 Best Bank in America by Forbes, the success of TowneBank is rooted in our commitment to the core values established by our founders more than twenty years ago.

TowneBank started in 1998 with a big dream in a two-car garage in Portsmouth, Virginia. It was there that the original founders met and created the vision that would become TowneBank: a community-oriented bank focused on key principles that include a commitment to recruiting the very best employees, creating a family atmosphere, engaging local board members, and delivering the ultimate in customer service while providing quality, upscale banking facilities that house the most efficient technology available.

On April 8, 1999, TowneBank opened three offices with start-up capital from more than 4,000 shareholders. Achieving profitability in just 11 months, TowneBank continued to grow—and still does, today—operating more than 40 banking offices throughout Hampton Roads and Central Virginia, as well as Northeastern and Central North Carolina.

As TowneBank grew, there were celebrations, commemorations, and benchmark moments that recognized our hardworking and deserving family of members, shareholders, and employees. TowneBank has never lost sight of our mission: to be a community asset committed to serving others and enriching lives.

We Are Your Opportunity Advisors

Keiter is a team of experienced accountants and advisors with the knowledge to identify opportunities and the commitment to see them through. We understand that you depend on us to identify, communicate and help shape the financial decisions that determine the success of your business. Whether performing an audit, preparing a tax return or developing a business plan for a start-up, we are always focused on providing fresh insights and creating new opportunities to help your business grow. Since forming in 1978, we have become one of the largest accounting and consulting firms in Virginia. We see our success as a testament not only to our knowledge and experience, but also to the strong relationships we build with our clients.

Knowledge

Each member of our team has the knowledge and perspective to look at every situation from all angles — bringing greater insights to all of your financial needs. Our innovative approach is to anticipate, not just react to, financial issues and to use constructive planning to recommend the most effective solutions. Keeping up-to date with current financial issues is one of our top priorities, and we maintain extensive resources to provide you with quick, effective answers and solutions.

Experience

At Keiter, we are proud of the integrity and experience of our client service teams. Before bringing their expertise to our Firm, many of our partners and staff have worked with the nation’s top accounting and consulting firms – and several have been recognized at national, state and local levels for their expertise in their specialty service areas. Industry peers and business associations have also awarded us with distinctive designations for our integrity and technical expertise. This extensive experience allows us to provide the insights needed to help you grow your business.

Relationships

From the beginning, the foundation of our success was built on the success of our clients. And today, we are still committed to looking for opportunities to make you and your business a success. We are here to help you with all financial decisions throughout the life cycle of your business — from start-up issues to merger and acquisition preparation or succession planning. Most importantly, we take the time to truly learn about you and your organization. To be effective, we approach your business as a unique entity, enabling us to identify strategies that work for how you run your business today and where you want it to go tomorrow.

Keiter’s team consists of 20 partners and over 130 employees, making us the largest independent CPA firm in Richmond.

Mission

Deliver outstanding client service, provide rewarding careers, and support our communities.

Why Keiter?

Are you ready to uncover new financial opportunities? Contact us to discuss how our insights and services can help you shape the success of your business.

The Federal Reserve Bank of Richmond is one of twelve reserve banks across the United States that, along with the Board of Governors in Washington, D.C., forms the Federal Reserve System. The Richmond Fed, as part of the nation’s central bank, helps formulate monetary policy, supervises and regulates banks, and assists with the operation of the nation’s financial and payments systems to maintain the overall stability of the financial system.

The Fifth Federal Reserve District serves Virginia, Maryland, the District of Columbia, North Carolina, South Carolina, and most of West Virginia. The Richmond Fed opened in 1914 and has branch offices in Baltimore, Maryland, and Charlotte, North Carolina.

For more information, please visit the Bank’s website at http://www.richmondfed.org.

Marsh McLennan Agency (MMA) provides business insurance, employee health & benefits, retirement, and private client insurance solutions to organizations and individuals seeking limitless possibilities.

Small and midsize public and private organizations rely on trusted advisors to help them prepare for a future that’s truly limitless.  Through MMA, we deliver the resources of a large firm with the local ency attention, advice, solutions, and programs that these organizations expect.

A wholly-owned subsidiary of Marsh, MMA has access to broad resources and solutions across all of the businesses under the Marsh McLennan banner.

Through the strength of our local teams, geographic reach, and world-class services, MMA provides you with business insurance, employee health & benefits, retirement, and private client insurance solutions to help you attain your goals.

MMA is currently the ninth-largest insurance broker in the US with annualized revenues of approximately $2 billion.