Individual Retirement Accounts

Savings Rates for August 29, 2008

MONEY MARKET PASSBOOK IRA

Annual Percentage Yield	Interest Rate	Minimum Balance
2.22%	2.20%	$50
2.52%	2.50%	$25,000
3.03%	3.00%	$100,000
3.03%	3.00%	$250,000

IRA CERTIFICATES

Term	Annual Percentage Yield	Interest Rate	Minimum Balance
1 Year	4.00%	3.94%	$500
18 Months Variable	2.51%	2.49%	$50
1-1/2 Years	4.06%	4.00%	$500
2 Years	4.06%	4.00%	$500
2-1/2 Years	4.06%	4.00%	$500
3 Years	4.06%	4.00%	$500
4 Years	4.06%	4.00%	$500
5 Years	4.27%	4.20%	$500
6 Years	4.37%	4.30%	$500
7 Years	4.47%	4.40%	$500

Please note: Out of state funds are not being accepted at this time.

Other savings products are also available. Please call 804-967-7000 for information.

Deposits are federally insured to $250,000 and backed by the full faith and credit of the United States Government. Interest is compounded quarterly. The minimum balance is required to open and earn the interest rate and annual percentage yield disclosed. The interest rate and annual percentage yield on Money Market Passbook IRA accounts and 18 month variable rate IRA accounts may change after the account is opened. The interest rate and annual percentage yield on a Certificate of Deposit may change at its maturity date. You will incur a penalty for early withdrawal of Certificates. The annual percentage yields quoted are based on reinvestment of interest until maturity. Withdrawal of interest prior to maturity will reduce earnings on IRA certificate accounts. Fees imposed may also reduce earnings.