Riverside Bank : Consumer Products

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

This is a combination Money Market and Savings Account with tiered pricing.

TIER	INTEREST RATE	Annual Percentage Yeild
$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.

Interest Bearing Checking*
There is no service charge as long as a minimum balance of $1,500 is maintained. If the balance falls below $1,500 there will be a monthly service charge of $8.00.

Interest is earned on balances of $500 and above. No interest will be earned for the month if the balance falls below $500.

Non Interest Bearing Checking*
There is no minimum balance required on this account. There is no limit on the number of checks which may be written. The monthly service charge for this account is $6.00.

Basic Banking Account *
Minimum balance to open the account:
You must deposit $25.00 to open this account.

Transaction limitations:
You may make an unlimited number of deposits without incurring any additional charge.
You may make eight withdrawals during a statement cycle (28-31 days) without incurring a charge.

Fees:
A maintenance fee of $3.00 will be charged each statement cycle (28-31 days). If you exceed eight withdrawals during a statement cycle there will be a $2.00 fee for each item over eight.

Additional features:
A withdrawal shall be deemed to be made when it is recorded on our books, which is not necessarily the date that you initiated the transaction.

*Note: The cost of ordering checks will be based upon your selection.

TYPE	MINIMUM DEPOSIT	INTEREST RATE	ANNUAL PERCENTAGE YIELD
30-89 Day CD	$2,500	1.49%	1.50%
90-182 Day CD	$2,500	1.74%	1.76%
183-364 Day CD	$2,500	1.98%	2.00%
One (1) Year CD	$2,500	2.23%	2.25%
18 Month CD	$2,500	2.27%	2.30%
Two (2) Year CD	$1,000	2.37%	2.40%
Three (3) Year CD	$1,000	2.57%	2.60%
Five (5) Year CD	$1,000	2.96%	3.00%

APY's given above are for automatically renewable CDs. A penalty may be imposed for early withdrawal from CDs. IRA's are available for CD terms only. For additional account disclosure information, please contact the bank.

Certificate of Deposit rates are effective 4/1/2008. Subject to change without notice.

Certificate of Deposit Special **

TYPE	MINIMUM DEPOSIT	INTEREST RATE	ANNUAL PERCENTAGE YIELD
6 - 12 Months	$10,000	2.76%	2.80%

** Interest is compounded daily and credited monthly. APY=Annual Percentage Yield. Substantial penalty for early withdrawal. Fees may reduce earnings. Riverside Bank reserves the right to alter or withdraw this product without prior notification. Minimum deposit for 6 to 12 months CD is $10,000 Rates effective as of 4-1-08. For additional account disclosure information, please contact the bank.