Potential Fraud Alert

Please be advised that at this time of year, there may be increased activity by defrauders who send false communications intending to obtain your customer information so they can commit fraud or identity theft. These communications may use the year end date of December 31, 2006 as a way to try to "authenticate" their requests.

For example, communications purporting to be from one of our family of banks - Union Bank and Trust Company, Northern Neck State Bank, Rappahannock National Bank, Bay Community Bank, or Prosperity Bank & Trust Company - could inform you that due to "federal" or "FFIEC" guidance, the bank is required to change its security procedures, and so you could be asked to re-register or provide personal information to enable the bank to comply with federal regulations.

Sophisticated schemes may employ multiple methods to "convince" you of their legitimacy. You could receive an e-mail, a phone call, or something in the mail. Common fraudulent practices include cloning the web sites, logos, and e-mail formats of banks, as well as using the "FFIEC" logo. Some messages may even provide a "link" to one or more regulatory agencies.

You can recognize fraudulent activity if someone requests information such as your social security number, account numbers, passwords, or your validation questions and answers. Unless you initiate the call, employees of Union Bank and Trust Company, Northern Neck State Bank, Rappahannock National Bank, Bay Community Bank, and Prosperity Bank & Trust Company will not ask you for your social security number, account number, password, or personal identification number (PIN) because they already have this information on file.

In anticipation of these potential fraudulent schemes, we are taking this opportunity to inform you well in advance of December 31, 2006 that between now and then there will not be any changes to Union Bank and Trust Company, Northern Neck State Bank, Rappahannock National Bank, Bay Community Bank, or Prosperity Bank & Trust Company's Internet or electronic banking applications, and no changes are expected in the near future.

Please always call the bank for verification before responding to any request for the kinds of information we have described in this alert. If you have any questions, you may call 1-866-593-1100 and we will assist you in any way we can.