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
SAVINGS 0.10 0.10
$100.00 minimum deposit to open account. $.01 minimum balance to obtain APY

TIERED MONEY MARKET-$1,500 Minimum opening deposit and minimum balance to obtain APY
Average Daily Balances of $1,500.00-$25,000.00 0.20 0.20
Average Daily Balances of $25,000.01-$100,000.00  0.25 0.25
Average Daily Balances of $100,000.01 and up 0.40 0.40
TIERED HEALTH SAVINGS- $100.00 Minimum opening deposit and $500.00 minimum balance to obtain APY
Average Daily Balances of $500.00-$1,500.00  0.10 0.10
Average Daily Balances of $1,500.01-$5,000.00  0.20 0.20
Average Daily Balances of $5,000.01 and up 0.30 0.30

*APY = ANNUAL PERCENTAGE YIELD

Rates subject to change daily at bank's discretion

Fees may reduce earnings on account