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 withdrawals 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 (pre authorized) 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.