Disclosure

IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS

from

River Falls State Bank
124 S. Second Street
P.O. Box 89
River Falls, WI 54022
715 425 6782

CERTIFICATE OF DEPOSIT DISCLOSURE

Rate information - The interest rate along with the annual percentage yield will vary depending on the term you choose. You will be paid the rate until the maturity.

Compounding frequency - Interest will be compounded quarterly unless withdrawn or credited out of this account.

Crediting frequency - No withdrawals of interest are required. Our general policy is to credit interest into this account quarterly, but you may choose to have the interest credited quarterly into an account of yours.

Early withdrawals - If you withdraw any principal before maturity date, a penalty equal to 3 months interest will be applied to any certificate with an original maturity of more than one year.

Withdrawal of interest prior to maturity - The annual percentage yield is based on an assumption that interest will remain in the account until maturity. A withdrawal will reduce earnings.

Automatically renewable account - Your account will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. Unless we tell you otherwise in writing, the interest rate will be the same we offer on new certificate of deposit accounts on the maturity date which have the same term, minimum balance (if any) and other features as the renewed certificate of deposit account. You will have a grace period of ten calendar day(s) after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period, if any).

Final maturity - If your account is not renewed, the funds in your account will be placed in an interest-bearing account.

Daily balance computation method - Interest is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

Accrual of interest on noncash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.

Deposit limitations - After the account is opened, you may not make any deposits.

Withdrawal limitations - You may not make withdrawals of principal from your account before maturity. You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest anytime during the term after it is credited to your account.

* In compliance with Truth In Savings Regulations



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