RIVER BANK - MEMBER FDIC

APYs* are accurate as of MAY 15,2013

CERTIFICATES OF DEPOSIT

($500.00 minimum balance to open an account and obtain the APY)
(A penalty may be imposed for early withdrawal)

Term Interest Rate Annual Percentage Yield
91 DAY 0.15 0.15
182 DAY 0.25 0.25
12 MONTH 0.45 0.45
15 MONTH 0.45 0.45
18 MONTH 0.55 0.55
21 MONTH 0.55 0.55
24 MONTH 0.75 0.75
30 MONTH 0.85 0.85
36 MONTH 1.05 1.05
48 MONTH 1.15 1.15
60 MONTH 1.30 1.31

(Any of the above C.D.'s may be used for an IRA)

IRA

($500.00 minimum deposit to open and obtain APY)

(A penalty may be imposed for early withdrawal)

Term Interest Rate Annual Percentage Yield
12 Month 0.55 0.55
18 Month 0.65 0.65
Variable 18 Month 0.75 0.75
24 Month 0.85 0.85

PERSONAL CHECKING AND SAVINGS

Term Interest Rate Annual Percentage Yield
NOW CHECKING 0.10 0.10
($500.00 minimum deposit to open and average available balance to obtain APY)
50+ CHECKING 0.10 0.10
($100.00 minimum deposit to open and average available balance to obtain APY)
PASSBOOK SAVINGS 0.10 0.10
($100.00 minimum deposit to open account)
TIERED MONEY MARKET
($1,500.00 minimum deposit to open and average daily balance to obtain APY) 0.20 0.20
($25,000.01 minimum average daily balance to obtain APY) 0.25 0.25
($100,000.01 minimum average daily balance to obtain APY) 0.40 0.40
TIERED HEALTH SAVINGS
($100.00 minimum deposit to open and $500.00 minimum average daily balance to obtain APY) 0.10 0.10
($1,500.01 minimum average daily balance to obtain APY) 0.20 0.20
($5,000.01 minimum average daily balance to obtain APY) 0.30 0.30

*APY = ANNUAL PERCENTAGE YIELD

Rates subject to change

Fees may reduce earnings on account