STATEMENT SAVINGS ACCOUNT

• Your interest rate and annual percentage yield may change.
At our discretion, we may change the interest rate on your account.
We may change the interest rate on your account every quarter.

• Interest is compounded quarterly and will be credited on the last
business day of each quarter.  If you close your account before interest
is credited, you will not receive the accrued interest.

• No minimum balance required to open the account.  However, there
is a service charge each month if the actual balance drops below $200.
You may make one free withdrawal per month without incurring
additional fees.  Each withdrawal over the one allowed will be subject
to a service charge.

• Must maintain a minimum average daily balance of $200 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 daily balance method to calculate interest on your account.
This method applies a daily periodic rate to the principal in the account each day.

• Withdrawals by check, ACH debits, draft, debit cards, or similar order
made to third parties are prohibited.

• A withdrawal at automated teller machines is prohibited.

• The types of transfers or withdrawals allowed are those made in person, by mail or messenger, automatic transfer for the purpose of paying loans at River City Bank, transfers to another account at River City Bank which are made in person, and withdraws initiated by telephone and completed by check mailed to you.  Although these transactions are allowed, you may make only one (1) withdrawal a month without incurring additional fees. Each withdrawal over the one allowed will be subject to a service charge.

• The following transactions are allowed but are limited to six (6) per month: telephone transfer requests made directly to a bank employee or indirectly through a voice response or PC banking system.  Again, you are only allowed one (1) withdrawal per month before additional fees are imposed. Each withdrawal over the one allowed will be subject to a service charge. 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 account closure.  Excess is defined as more than three abuses in twelve months.

• If the account is being held as a youth account, once the individual turns 18 years of age, the monthly service charge will no longer be waived if the balance in the account is below the minimum required to avoid such a charge.

• If the account is being held as a student account, is at any time we become aware that the individual is no longer a student, the monthly service charge will no longer be waived if the balance in the account is below the minimum requires to avoid such a charge.

* Fees could reduce earnings.