Riverside Bank : Business Deposit Products

Independently Rated & Recommended by Bauer Financial, Inc. :: June 2007 - 5 STAR RATING!

Riverside Bank offers a variety of business services. What better place to do your business banking than at your Local Business Bank? At Riverside Bank you’re not just an account number, you are a name!

¤ Business Money Market Account
Combination Money Market and Savings Account for the business or professional practice that wants to maximize earnings on its available cash while keeping it readily available. Tiered rates with a minimum balance of $500 to earn interest. Balances from $500 to $2,499 will receive regular savings rate. Balances of $2,500 and higher earn the money market rates. No monthly maintenance fee if you maintain a minimum balance.

TIER	INTEREST RATE	Annual Percentage Yield
$500 to $24,999.99	.50%	.50%
$25,000 to $49,999.99	1.00%	1.00%
$50,000 to $99,999.99	1.49%	1.50%
$100,000 & over	1.98%	2.00%

If the balance falls below $500 there will be a maintenance charge of $2.00 for the month and no interest will be paid on the account

The money market rate will be determined weekly based on market conditions. Money market accounts are permitted 6 pre-authorized transfers per statement cycle, no more than 3 of which may be checks payable to third parties. For additional account disclosure information, please contact the bank.

Money Market Special*

TIER	INTEREST RATE	Annual Percentage Yield
$50,000 & over	2.22%	2.24%

* The 2.24% (annual percentage yield) is available to all individuals and businesses who open and maintain a Money Market Account with a daily balance of $50,000 or more, from funds not currently on deposit with Riverside Bank. The starting annual percentage yield (APY) is accurate as of 5/7/08. This is a variable rate account and rates are subject to change without notice. Fees may reduce earnings. APYs related to balances are as follows - $500 to $24,999.99 is .50% APY; $25,000 to+ $49,999.99 is 1.00% APY; $50,000 and above is 2.24% APY (New Accounts Only). Balances that fall below $500 will have a maintenance charge of $2.00 for the month and no interest will be paid on the account. Money market accounts are permitted 6 pre-authorized transfers per statement cycle, no more than 3 of which may be checks payable to third parties. For additional account disclosure information, please contact the bank.

¤ Business Sense Checking
Account for a business or professional practice that maintains higher balances and has higher transaction activity. $10 monthly maintenance fee plus $.15 per item charge.
Earnings credit on average balances over $1,000 that will offset the service charges incurred for the month.

¤ Small Business Checking
Account for a business or professional practice with limited transaction activity. No monthly maintenance fee if you maintain a balance of $1,500. The first 150 items FREE, $.25 per item thereafter.

¤ Business Checking with Interest
An account available only to sole proprietors, non-profit organizations and government agencies. Account earns interest monthly on daily balance. $10 monthly maintenance fee plus $.15 per item charge. Earnings credit on average balances over $1,000 that will offset the service charges incurred for the month.

¤ Tenant Lease Security Services
Account for real estate owners, managers and agents of multifamily residential, commercial and cooperative properties.

¤ Riverside Premium Sweep Account
Allows us to transfer your excess checking account funds to a higher yielding account.

TIER	INTEREST RATE	Annual Percentage Yield
$0.01 - $100,000.99	2.00%	2.02%
$100,001.00 - $250,000.99	2.25%	2.28%
$250,001.00 - $500,000.99	2.50%	2.53%
$500,001.00 - $1,000,000.99	2.60%	2.63%
$1,000,001.00 & over	2.75%	2.79%

Sweep account rates are effective 5/07/2008. Subject to change without notice. For additional account disclosure information, please contact the bank.