MONEY MANAGEMENT ACCOUNT

Your interest rate and annual percentage yield may change. At our
discretion, we may change the interest rate on your account on the
first day of each month.

Interest will be compounded monthly and credited to your account
on the last business day of the month. If you close your account
before the interest is credited, you will not receive the accrued interest.

You must deposit $2,500 to open the account. If the actual balance
drops below $2,500 anytime during the month, the account is
subject to a service charge. You must maintain a minimum average
daily balance of $500 in the account each month to obtain the
disclosed annual percentage yield for the lower tiered rate. You
must maintain a minimum daily balance of $50,000 to obtain the
disclosed annual percentage yield for the upper-tiered rate.

Interest begins to accrue on the business day you deposit
non-cash items (for example, checks).

We use the average daily balance method to calculate interest
on your account. This method applies a periodic rate to the average
daily balance in the account for the period. The average daily balance
is calculated by adding the principal in the account for each day of
the period and dividing that figure by the number of days in the period.

This account is a tiered-rate account. That means this account has
two interest rates that are applicable to specified balance levels.
To obtain the higher rate, the actual balance must never drop below
$50,000. If the actual balance drops below $50,000 anytime during
the month, the interest rate will revert to the under $50,000 rate for
the entire month. Occasionally, both tiers may pay the same rate.

For business accounts (Corporations, LLC’s, partnerships, etc.), this
account pays a lower rate. Check with us for the current rate.

Withdrawals by debit card or at automated teller machines are
prohibited; ATM or debit cards will not be issued.

This is a limited transaction account. You are limited to no more than
three checks per month. If needed, you will be allowed an additional
three withdrawls by way of ACH transactions or transfer requests
through the PC banking system. You will be charged a fee for every
check over three or every ACH or PC transfer over three.

You are not limited on automatic (preauthorized) transfers for the
purpose of paying loans at River City Bank. There are no limits on
transfers or withdrawls made in person.

Items are counted on the statement for the month they clear the
account, not when the transaction occurs.

Excessive abuse of the check writing limitations will lead to one or
more of the following: refusal of transfers, conversion to a
non-interest bearing account, or account closure. Excess is defined
as more than three (3) abuses in twelve months. There is a service
charge for each transfer or withdrawal that exceeds the limitations.

• Fees may reduce earnings.