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6.00% APR + No Closing Costs?* That's right, there are no closing costs* associated with your Rappahannock National Bank home equity line! And, there are no annual fees. Once your application has been approved, you can have access to your home equity line in a matter of a few short days. So what does that mean to you? The Rappahannock National Bank home equity line is the best way to pay school tuition, renovate or remodel your home or even buy a new car. Put the equity in your home to work for you with a home equity line from Rappahannock National Bank.

Rappahannock National Bank www.rnbva.com 257 Gay Street • P.O. Box 179 ATM - 211 Q-Mart • 12663 Lee Highway Washington, Virginia 22747 • 540-675-3519 Washington, Virginia 22747 •This offer is for credit lines of $25,000 or more for borrowers with i maximum combined loan to value of 90% that are not m default. The annual percentage rate IAPR) is as indexed to the Wall Street Journal Prime Rate The current rate, as of October 29. 2007 is 6.00% which is the floor rate. The maximum APR is 24%. Rates are sub/ect to change and are based on the credit line Normal credit criteria apply If you pay the entire outstanding balance and close the account on or before the dates that follow you will reimburse Rappahannock National Bank a prorated percentage of these closing costs On or before one calendar year after the opening date of the account you will pay 100% of closing costs On or before 2 calendar years after the opening date of the account you will pay 50% Closing costs for the credit line range from $200 to $1000 You must carry insurance on the property that secures this plan Member FPIC

78.7%