MONEY MARKET PLUS 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.

Withdrawls 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.