Document:

<PAGE>

                                                                    Exhibit 10.4

                         EXECUTIVE EMPLOYMENT AGREEMENT
                         ------------------------------

         This EXECUTIVE EMPLOYMENT AGREEMENT ("Agreement") is made and entered
into as of the 12th day of February, 2002, by and between CARDINAL FINANCIAL
CORPORATION ("Cardinal") and F. Kevin Reynolds ("you" and all similar
references) (collectively, the "parties").

                                  INTRODUCTION
                                  ------------

         WHEREAS, Cardinal has previously retained you to provide services in an
executive capacity; and

         WHEREAS, the parties now desire to memorialize the terms and conditions
of your continuing employment.

         NOW THEREFORE, in consideration of the promises and obligations by and
between the parties under this Agreement, and other valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, the parties agree as
follows:

                                      TERMS
                                      -----

1.       Employment.   By accepting employment with Cardinal, you agree:
         ----------

         (a)      to devote your professional time, best efforts, attention and
                  energies to Cardinal's business and to perform any and all
                  work assigned to you by Cardinal faithfully and at such times
                  and places as Cardinal designates;

         (b)      that your employment is terminable "at will" meaning that
                  either party may terminate your employment relationship with
                  Cardinal at any time, subject to the terms and conditions set
                  forth in Section 4 of this Agreement.

2.       Compensation and Benefits.
         -------------------------

         (a)      Upon the commencement of your employment, Cardinal will pay
                  you a base salary, less required and authorized withholding
                  and deductions, payable in installments in accordance with its
                  normal payroll practices. From time to time, Cardinal may
                  adjust your salary and other compensation in its discretion.

         (b)      During your employment, you will be eligible to receive, in
                  Cardinal's discretion, an annual performance bonus, stock
                  option grant and to participate in any employee compensation
                  or benefit plans (including group medical and 401(k)).
                  Cardinal may amend or discontinue any of its plans, programs,
                  policies and procedures at any time for any or no reason with
                  or without notice.

3.       Covenants. You understand that Cardinal has invested, and will continue
         ---------
         to invest, significant resources in your training and development. You
         further understand that Cardinal's "business" includes the performance
         and rendering of banking and/or financial services. Therefore, in light
         of these understandings you agree to the following obligations which
         are reasonably designed to protect Cardinal's legitimate business
         interests without unreasonably restricting your ability to seek or
         obtain employment after your employment with Cardinal terminates for
         any reason.

<PAGE>

                  3.1      Prohibition on Competition. During the term of this
                           Agreement, and for a period of twelve (12) months
                           from the date you are terminated for Cause or your
                           Voluntary Termination, you shall not render or
                           perform competing banking and/or financial services
                           within twenty-five (25) miles from your office or
                           Cardinal's corporate headquarters. This provision
                           shall not be construed to prevent you from obtaining
                           employment in the banking and/or financial services
                           industries provided your new endeavor does not
                           violate the above-stated prohibition.

                  3.2      Covenant Not to Solicit Clients or Prospective
                           Clients. During the term of this Agreement, and for a
                           period of twelve (12) months from the date you are
                           terminated for Cause or your Voluntary Termination,
                           you agree not to contact any client or prospective
                           client of Cardinal with whom you have had any contact
                           on behalf of Cardinal to perform or render banking
                           and/or financial services. This provision shall not
                           be construed to prevent you from contacting clients
                           with whom you have not had any contact during the
                           term of this Agreement.

                  3.3      Restriction on the Solicitation of Cardinal's
                           Employees. During the term of this Agreement and for
                           a period of twelve (12) months from the date of you
                           are terminated for Cause or your Voluntary
                           Termination, you agree not to attempt to induce any
                           Cardinal employee to terminate his or her employment,
                           or to seek or accept any employment with any other
                           business entity that performs banking and/or
                           financial services.

         (a)      The prohibitions set forth above only apply in the event that
                  your last day of employment with Cardinal is November 1, 2002
                  or thereafter. In the event that your employment with Cardinal
                  is terminated for any reason before November 1, 2002, the
                  restrictions set forth in this Section 3 are of no effect.

         (b)      For the purpose of this Agreement, "Client" means any entity
                  for which Cardinal has performed banking and/or financial
                  services within the twelve months from your termination date.
                  "Prospective Client" means any entity that is not a Client but
                  with respect to whom, within twelve (12) months from your
                  termination date, you conducted, prepared, submitted (or
                  assisted or supervised such conduct) any client development
                  work product or marketing efforts on behalf of Cardinal.

         (c)      In the event that any term set forth above (including, but not
                  limited to, the duration of the restraint or the geographic
                  scope) is deemed unreasonable by a court of competent
                  jurisdiction or an arbitration tribunal, the parties agree
                  that the unreasonable term may be modified or reduced in
                  accordance with the applicable law.

         (d)      You understand that damages Cardinal will suffer as a result
                  of your breach of any provision of Section 3 of this Agreement
                  are impossible to reasonably calculate and may irreparably
                  harm Cardinal. Nothing in this Agreement shall be construed to
                  prevent Cardinal from seeking any form of injunctive relief to
                  enforce any provision of this Agreement.

4.       Termination of Employment Relationship.  Your employment is terminable
         --------------------------------------
         at will. That means that your employment relationship with Cardinal may
         be terminated by either party at any time, for any reason or no reason
         at all, subject to the notice provision addressed below.

         (a)      Cardinal may terminate your employment for Cause effective
                  immediately upon written notice. In the event that Cardinal
                  terminates your employment for Cause, you will be entitled to
                  earned and unpaid base salary and payment for any earned and
                  unused vacation days through the last date of your employment.

                                       2

<PAGE>

                  For the purpose of this Agreement, "Cause" means any of the
                  following conduct by you: (i) embezzlement, misappropriation
                  of corporate funds or other material acts of dishonesty; (ii)
                  commission or conviction of any felony or entry of a plea of
                  guilty or nolo contendere to any felony; (iii) material
                  failure to adhere to Cardinal's corporate codes, policies or
                  procedures; (iv) insubordination or any act of gross
                  misconduct; or (v) of any applicable regulatory authority
                  revokes the necessary approvals for you to serve as an
                  Executive with Cardinal.

         (b)      Cardinal also may terminate your employment other than for
                  Cause, or for no reason, effective upon written notice or any
                  later date, if specified in the Notice.

                  (i)      If Cardinal terminates you pursuant to this Section
                           4(b) you will be entitled to all earned and unpaid
                           base salary through your last day of employment,
                           subject to the provisions set forth in 4(b)(ii).
                           Furthermore, Cardinal will pay you twelve (12) months
                           salary (over the course of those twelve (12) months),
                           less required and authorized withholding and
                           deductions. Additionally, Cardinal will continue your
                           group health and dental insurance benefits over the
                           course of those twelve (12) months.

                  (ii)     If Cardinal terminates you pursuant to Section 4(b)
                           within twelve (12) months after the Effective Date of
                           a Change in Control, Cardinal shall pay you,
                           exclusively and in lieu of the benefits which
                           otherwise would have been payable under this
                           Agreement, eighteen (18) months salary, in one lump
                           sum payment, less required and authorized
                           withholdings and deductions. The lump sum payment
                           shall be made by Cardinal within thirty (30) days
                           from your last day of employment. Additionally,
                           Cardinal will continue your group health and dental
                           insurance benefits over the course of those eighteen
                           (18) months.

         (c)      You may Voluntarily Terminate your employment with Cardinal
                  upon thirty (30) days prior written notice directed to
                  Cardinal's President and Chief Executive Officer ("CEO"). The
                  President and CEO, in his sole capacity may waive this notice
                  requirement.

         (d)      Regardless of the basis of your termination of employment, you
                  agree to provide all assistance requested by Cardinal in
                  transitioning your duties, responsibilities client and other
                  Cardinal relationships to other Cardinal personnel, both
                  during your employment and after your termination or
                  resignation.

5.       Change in Control. Notwithstanding the terms and conditions set forth
         -----------------
         in Section 4 of this Agreement, in the event of a Change in Control you
         may elect to Voluntarily Terminate your employment pursuant to Section
         5 of this Agreement upon thirty (30) days prior written notice, if such
         notice is received by Cardinal no sooner than ten (10) months after the
         Effective Date of the Change of Control and no later than twelve (12)
         months after the Effective Date of the Change in Control.

         (a)      If you voluntarily terminate your employment with Cardinal
                  pursuant to Section 5 of this Agreement, Cardinal shall pay
                  you, exclusively and in lieu of the benefits which otherwise
                  would have been payable under this Agreement, eighteen (18)
                  months salary, in one lump sum payment, less required and
                  authorized withholdings and deductions. The lump sum payment
                  shall be made by Cardinal within thirty (30) days from your
                  last day of employment. Additionally, Cardinal will continue
                  your group health and dental insurance benefits over the
                  course of those eighteen (18) months.

         (b)      For the purpose of this Agreement, "Change in Control" means a
                  merger or consolidation in which (i) Cardinal is a constituent
                  party, or (ii) a Company Subsidiary is a constituent party and
                  Cardinal issues shares of its capital stock pursuant to such
                  merger or consolidation, except any such merger or
                  consolidation involving Cardinal or a Company

                                       3

<PAGE>

                  Subsidiary in which the holders of capital stock of Cardinal
                  immediately prior to such merger or consolidation continue to
                  hold immediately following such merger or consolidation more
                  than fifty (50) percent by voting power of the capital stock
                  of or ownership interest in (A) the surviving or resulting
                  entity or (B) if the surviving or resulting entity is a wholly
                  owned subsidiary of another entity immediately following such
                  merger or consolidation, the parent entity of such surviving
                  or resulting entity. "Change in Control" may also mean the
                  sale, in a single transaction or series of related
                  transactions, (i) by Cardinal of all or substantially all the
                  assets of Cardinal (except where such sale is to a wholly
                  owned subsidiary of the Company), or (ii) by the stockholders
                  of Cardinal of more than fifty (50) percent by voting power of
                  the then-outstanding capital stock of Cardinal. Finally, a
                  "Change of Control" may constitute the occurrence of any
                  agreement, happening or device, which has substantially the
                  same effect on the control of Cardinal as any of the
                  foregoing.

         (c)      For the purpose of this Agreement, "Effective Date" means the
                  close of business on the date on which a "Change of Control"
                  occurs.

6.       Assignment and Survival. The rights and obligations of Cardinal under
         -----------------------
         this Agreement shall inure to the benefit of, and shall be binding
         upon, the successors and assigns of Cardinal. Your rights and
         obligations are personal, and may not be assigned or delegated without
         the Company's proper written consent. The Agreement shall continue
         despite any liquidation or dissolution of Cardinal.

7.       Severability. If any provision of this Agreement is held invalid or
         ------------
         unenforceable for any reason, the invalidity shall not nullify the
         validity of the remaining provisions of this Agreement. If any
         provision of this Agreement is determined by a court or arbitration
         tribunal to be overly broad in duration, geographical coverage or
         scope, or unenforceable for any other reason, such provision will be
         narrowed so that it will be enforced as much as permitted by law.

8.       Choice of Law. This Agreement shall be governed by the laws of the
         -------------
         Commonwealth of Virginia. You and Cardinal consent to the jurisdiction
         and venue of any state or federal court in the Commonwealth of Virginia
         and agree that any permitted lawsuit may be brought to such courts or
         other court of competent jurisdiction. Each party hereby waives,
         releases and agrees not to assert, and agrees to cause its affiliates
         to waive, release and not assert, any rights such party or its
         affiliates may have under any foreign law or regulation that would be
         inconsistent with the terms of this Agreement as governed by Virginia
         law.

9.       Waiver.  Any party's waiver of any other party's breach of any
         ------
         provision of this Agreement shall not waive any other right or any
         future breaches of the same or any other provision. The CEO may, in his
         or her sole discretion, waive in writing any provision of this
         Agreement.

10.      Notices.  Any notices, requests, demands or other communications
         -------
         provided for in this Agreement shall be in writing and shall be given
         either manually or by registered or certified mail. Either party may,
         by written notice to the other party, change their address for receipt
         of such notice.

                  If to the Company:

                  Bernard H. Clineburg
                  President and CEO
                  Cardinal Financial Corporation
                  10555 Main Street
                  Fairfax, Virginia 22030

                                       4

<PAGE>

                  If to the Employee:

                  F. Kevin Reynolds
                  2683 Linda Marie Drive
                  Oakton, VA 22124

11.      Entire Agreement.  This Agreement is the entire agreement between you
         ----------------
         and Cardinal regarding these matters and supersedes any verbal and
         written agreements on such matters. This Agreement may be modified only
         by written agreement signed by you and the CEO or his or her express
         designee. All Section headings are for convenience only and do not
         modify or restrict any of this Agreement's terms.

12.      Counterparts.  For convenience of the parties, this Agreement may be
         ------------
         executed in one or more counterparts, each of which shall be deemed an
         original for all purposes.

The parties state that they have read, understood and agree to be bound by this
Agreement and that they have had the opportunity to seek the advice of legal
counsel before signing it and have either sought such counsel or have
voluntarily decided not to do so:

CARDINAL FINANCIAL CORPORATION              EMPLOYEE

By: /s/ Bernard H. Clineburg                 /s/ F. Kevin Reynolds
    ------------------------                 ---------------------
                                                 (Signature)

Its: President & CEO                        F. Kevin Reynolds
    ----------------                        -----------------
         (Title)                           (Print Employee's Full Name)

Dated: 02-12-02                             Dated: 2-12-02
       --------                                    -------

                                        5<PAGE>

                                                                    Exhibit 10.5

                         EXECUTIVE EMPLOYMENT AGREEMENT
                         ------------------------------

         This EXECUTIVE EMPLOYMENT AGREEMENT ("Agreement") is made and entered
into as of the 12th day of February, 2002, by and between CARDINAL FINANCIAL
CORPORATION ("Cardinal") and Christopher W. Bergstrom ("you" and all similar
references) (collectively, the "parties").

                                  INTRODUCTION
                                  ------------

         WHEREAS, Cardinal has previously retained you to provide services in an
executive capacity; and

         WHEREAS, the parties now desire to memorialize the terms and conditions
of your continuing employment.

         NOW THEREFORE, in consideration of the promises and obligations by and
between the parties under this Agreement, and other valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, the parties agree as
follows:

                                      TERMS
                                      -----

1.       Employment.   By accepting employment with Cardinal, you agree:
         ----------

         (a)      to devote your professional time, best efforts, attention and
                  energies to Cardinal's business and to perform any and all
                  work assigned to you by Cardinal faithfully and at such times
                  and places as Cardinal designates;

         (b)      that your employment is terminable "at will" meaning that
                  either party may terminate your employment relationship with
                  Cardinal at any time, subject to the terms and conditions set
                  forth in Section 4 of this Agreement.

2.       Compensation and Benefits.
         -------------------------

         (a)      Upon the commencement of your employment, Cardinal will pay
                  you a base salary, less required and authorized withholding
                  and deductions, payable in installments in accordance with its
                  normal payroll practices. From time to time, Cardinal may
                  adjust your salary and other compensation in its discretion.
                  However, your base salary cannot be decreased without your
                  prior written consent.

         (b)      During your employment, you will be eligible to receive, in
                  Cardinal's discretion, an annual performance bonus, stock
                  option grant and to participate in any employee compensation
                  or benefit plans (including group medical and 401(k)).
                  Cardinal may amend or discontinue any of its plans, programs,
                  policies and procedures at any time for any or no reason with
                  or without notice.

3.       Covenants. You understand that Cardinal has invested, and will continue
         ---------
         to invest, significant resources in your training and development. You
         further understand that Cardinal's "business" includes the performance
         and rendering of banking and/or financial services. Therefore, in light
         of these understandings you agree to the following obligations which
         are reasonably designed to protect Cardinal's legitimate business
         interests without unreasonably restricting your ability to seek or
         obtain employment after your employment with Cardinal terminates for
         any reason.

<PAGE>

                  3.1      Prohibition on Competition. During the term of this
                           Agreement, and for a period of twelve (12) months
                           from the date you are terminated for Cause or your
                           Voluntary Termination, you shall not render or
                           perform competing banking and/or financial services
                           within twenty-five (25) miles from your office or
                           Cardinal's corporate headquarters. This provision
                           shall not be construed to prevent you from obtaining
                           employment in the banking and/or financial services
                           industries provided your new endeavor does not
                           violate the above-stated prohibition.

                  3.2      Covenant Not to Solicit Clients or Prospective
                           Clients. During the term of this Agreement, and for a
                           period of twelve (12) months from the date you are
                           terminated for Cause or your Voluntary Termination,
                           you agree not to contact any client or prospective
                           client of Cardinal with whom you have had any contact
                           on behalf of Cardinal to perform or render banking
                           and/or financial services. This provision shall not
                           be construed to prevent you from contacting clients
                           with whom you have not had any contact during the
                           term of this Agreement.

                  3.3      Restriction on the Solicitation of Cardinal's
                           Employees. During the term of this Agreement and for
                           a period of twelve (12) months from the date of you
                           are terminated for Cause or your Voluntary
                           Termination, you agree not to attempt to induce any
                           Cardinal employee to terminate his or her employment,
                           or to seek or accept any employment with any other
                           business entity that performs banking and/or
                           financial services.

         (a)      The prohibitions set forth above only apply in the event that
                  your last day of employment with Cardinal is November 1, 2002
                  or thereafter. In the event that your employment with Cardinal
                  is terminated for any reason before November 1, 2002, the
                  restrictions set forth in this Section 3 are of no effect.

         (b)      For the purpose of this Agreement, "Client" means any entity
                  for which Cardinal has performed banking and/or financial
                  services within the twelve months from your termination date.
                  "Prospective Client" means any entity that is not a Client but
                  with respect to whom, within twelve (12) months from your
                  termination date, you conducted, prepared, submitted (or
                  assisted or supervised such conduct) any client development
                  work product or marketing efforts on behalf of Cardinal.

         (c)      In the event that any term set forth above (including, but not
                  limited to, the duration of the restraint or the geographic
                  scope) is deemed unreasonable by a court of competent
                  jurisdiction or an arbitration tribunal, the parties agree
                  that the unreasonable term may be modified or reduced in
                  accordance with the applicable law.

         (d)      You understand that damages Cardinal will suffer as a result
                  of your breach of any provision of Section 3 of this Agreement
                  are impossible to reasonably calculate and may irreparably
                  harm Cardinal. Nothing in this Agreement shall be construed to
                  prevent Cardinal from seeking any form of injunctive relief to
                  enforce any provision of this Agreement.

4.       Termination of Employment Relationship.  Your employment is terminable
         --------------------------------------
         at will. That means that your employment relationship with Cardinal may
         be terminated by either party at any time, for any reason or no reason
         at all, subject to the notice provision addressed below.

         (a)      Cardinal may terminate your employment for Cause effective
                  immediately upon written notice. In the event that Cardinal
                  terminates your employment for Cause, you will be entitled to
                  earned and unpaid base salary and payment for any earned and
                  unused vacation days through the last date of your employment.

                                       2

<PAGE>

                  For the purpose of this Agreement, "Cause" means any of the
                  following conduct by you: (i) embezzlement, misappropriation
                  of corporate funds or other material acts of dishonesty; (ii)
                  commission or conviction of any felony or entry of a plea of
                  guilty or nolo contendere to any felony; (iii) material
                  failure to adhere to Cardinal's corporate codes, policies or
                  procedures; (iv) insubordination or any act of gross
                  misconduct; or (v) of any applicable regulatory authority
                  revokes the necessary approvals for you to serve as an
                  Executive with Cardinal.

         (b)      Cardinal also may terminate your employment other than for
                  Cause, or for no reason, effective upon written notice or any
                  later date, if specified in the Notice.

                  (i)      If Cardinal terminates you pursuant to this Section
                           4(b) you will be entitled to all earned and unpaid
                           base salary through your last day of employment,
                           subject to the provisions set forth in 4(b)(ii).
                           Furthermore, Cardinal will pay you twelve (12) months
                           salary (over the course of those twelve (12) months),
                           less required and authorized withholding and
                           deductions. Additionally, Cardinal will continue your
                           group health and dental insurance benefits over the
                           course of those twelve (12) months.

                  (ii)     If Cardinal terminates you pursuant to Section 4(b)
                           within twelve (12) months after the Effective Date of
                           a Change in Control, Cardinal shall pay you,
                           exclusively and in lieu of the benefits which
                           otherwise would have been payable under this
                           Agreement, eighteen (18) months salary, in one lump
                           sum payment, less required and authorized
                           withholdings and deductions. The lump sum payment
                           shall be made by Cardinal within thirty (30) days
                           from your last day of employment. Additionally,
                           Cardinal will continue your group health and dental
                           insurance benefits over the course of those eighteen
                           (18) months.

         (c)      You may Voluntarily Terminate your employment with Cardinal
                  upon thirty (30) days prior written notice directed to
                  Cardinal's President and Chief Executive Officer ("CEO"). The
                  President and CEO, in his sole capacity may waive this notice
                  requirement.

         (d)      Regardless of the basis of your termination of employment, you
                  agree to provide all assistance requested by Cardinal in
                  transitioning your duties, responsibilities client and other
                  Cardinal relationships to other Cardinal personnel, both
                  during your employment and after your termination or
                  resignation.

5.       Change in Control. Notwithstanding the terms and conditions set forth
         -----------------
         in Section 4 of this Agreement, in the event of a Change in Control you
         may elect to Voluntarily Terminate your employment pursuant to Section
         5 of this Agreement upon thirty (30) days prior written notice, if such
         notice is received by Cardinal no sooner than ten (10) months after the
         Effective Date of the Change of Control and no later than twelve (12)
         months after the Effective Date of the Change in Control.

         (a)      If you voluntarily terminate your employment with Cardinal
                  pursuant to Section 5 of this Agreement, Cardinal shall pay
                  you, exclusively and in lieu of the benefits which otherwise
                  would have been payable under this Agreement, eighteen (18)
                  months salary, in one lump sum payment, less required and
                  authorized withholdings and deductions. The lump sum payment
                  shall be made by Cardinal within thirty (30) days from your
                  last day of employment. Additionally, Cardinal will continue
                  your group health and dental insurance benefits over the
                  course of those eighteen (18) months.

         (b)      For the purpose of this Agreement, "Change in Control" means a
                  merger or consolidation in which (i) Cardinal is a constituent
                  party, or (ii) a Company Subsidiary is a constituent party and
                  Cardinal issues shares of its capital stock pursuant to such
                  merger or consolidation, except any such merger or
                  consolidation involving Cardinal or a Company

                                       3

<PAGE>

                  Subsidiary in which the holders of capital stock of Cardinal
                  immediately prior to such merger or consolidation continue to
                  hold immediately following such merger or consolidation more
                  than fifty (50) percent by voting power of the capital stock
                  of or ownership interest in (A) the surviving or resulting
                  entity or (B) if the surviving or resulting entity is a wholly
                  owned subsidiary of another entity immediately following such
                  merger or consolidation, the parent entity of such surviving
                  or resulting entity. "Change in Control" may also mean the
                  sale, in a single transaction or series of related
                  transactions, (i) by Cardinal of all or substantially all the
                  assets of Cardinal (except where such sale is to a wholly
                  owned subsidiary of the Company), or (ii) by the stockholders
                  of Cardinal of more than fifty (50) percent by voting power of
                  the then-outstanding capital stock of Cardinal. Finally, a
                  "Change of Control" may constitute the occurrence of any
                  agreement, happening or device, which has substantially the
                  same effect on the control of Cardinal as any of the
                  foregoing.

         (c)      For the purpose of this Agreement, "Effective Date" means the
                  close of business on the date on which a "Change of Control"
                  occurs.

6.       Assignment and Survival. The rights and obligations of Cardinal under
         -----------------------
         this Agreement shall inure to the benefit of, and shall be binding
         upon, the successors and assigns of Cardinal. Your rights and
         obligations are personal, and may not be assigned or delegated without
         the Company's proper written consent. The Agreement shall continue
         despite any liquidation or dissolution of Cardinal.

7.       Severability. If any provision of this Agreement is held invalid or
         ------------
         unenforceable for any reason, the invalidity shall not nullify the
         validity of the remaining provisions of this Agreement. If any
         provision of this Agreement is determined by a court or arbitration
         tribunal to be overly broad in duration, geographical coverage or
         scope, or unenforceable for any other reason, such provision will be
         narrowed so that it will be enforced as much as permitted by law.

8.       Choice of Law. This Agreement shall be governed by the laws of the
         -------------
         Commonwealth of Virginia. You and Cardinal consent to the jurisdiction
         and venue of any state or federal court in the Commonwealth of Virginia
         and agree that any permitted lawsuit may be brought to such courts or
         other court of competent jurisdiction. Each party hereby waives,
         releases and agrees not to assert, and agrees to cause its affiliates
         to waive, release and not assert, any rights such party or its
         affiliates may have under any foreign law or regulation that would be
         inconsistent with the terms of this Agreement as governed by Virginia
         law.

9.       Waiver.  Any party's waiver of any other party's breach of any
         ------
         provision of this Agreement shall not waive any other right or any
         future breaches of the same or any other provision. The CEO may, in his
         or her sole discretion, waive in writing any provision of this
         Agreement.

10.      Notices.  Any notices, requests, demands or other communications
         -------
         provided for in this Agreement shall be in writing and shall be given
         either manually or by registered or certified mail. Either party may,
         by written notice to the other party, change their address for receipt
         of such notice.

                  If to the Company:

                  Bernard H. Clineburg
                  President and CEO
                  Cardinal Financial Corporation
                  10555 Main Street
                  Fairfax, Virginia 22030

                                       4

<PAGE>

                  If to the Employee:

                  Christopher W. Bergstrom
                  7002 Bear Den Court
                  Manassas, VA 20111

11.      Entire Agreement.  This Agreement is the entire agreement between you
         ----------------
         and Cardinal regarding these matters and supersedes any verbal and
         written agreements on such matters. This Agreement may be modified only
         by written agreement signed by you and the CEO or his or her express
         designee. All Section headings are for convenience only and do not
         modify or restrict any of this Agreement's terms.

12.      Counterparts.  For convenience of the parties, this Agreement may be
         ------------
         executed in one or more counterparts, each of which shall be deemed an
         original for all purposes.

The parties state that they have read, understood and agree to be bound by this
Agreement and that they have had the opportunity to seek the advice of legal
counsel before signing it and have either sought such counsel or have
voluntarily decided not to do so:

CARDINAL FINANCIAL CORPORATION              EMPLOYEE

By:  /s/ Bernard H. Clineburg                /s/ Christopher W. Bergstrom
     ------------------------                ----------------------------
                                                   (Signature)

Its: President and CEO                      Christopher W. Bergstrom
     -----------------                      ------------------------
         (Title)                          (Print Employee's Full Name)

Dated: 2-12-02                              Dated: 2-12-02
       -------                                    --------

                                        5

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