INVESTMENT GRADE SAVINGS ACCOUNT

BANKING SERVICES IN THE FORM OF ACCOUNTS BEARING INTEREST RATES COMPETITIVE WITH MONEY MARKET FUNDS AND WITH LIMITED TRANSACTIONS AVAILABLE TO COMMERCIAL CUSTOMERS, INDIVIDUALS, PROPRIETORSHIPS AND NON-PROFIT ORGANIZATIONS THROUGH ITS RELATED PARTY, RIVERWAY NATIONAL BANK, A BANKING ASSOCIATION ORGANIZED UNDER THE LAWSOF THE STATE OF TEXAS