MONEY MARKET 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.

• 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.

• 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.  Transfers or withdrawals by check, ACH, or requests through the internet banking system are limited to six (6) per month. If there is excessive abuse of the limited transactions, River City Bank has the right to refuse the transfer, convert to a non-interest bearing account, or to close the account.  Excessive abuse is defined as more than three abuses in twelve months.

• 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 withdraws 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 could reduce earnings.