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

CHRISTMAS CLUB SAVINGS ACCOUNT DISCLOSURE

Rate Information - At our discretion, we may change the interest rate for this account.

The interest rate and annual percentage yield may change at any time.

Compounding Frequency - Interest will be compounded daily.

Crediting Frequency - Interest will be credited into this account when the check is issued in October.

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 Non-cash Deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.

Deposit Limitations - You may make an unlimited number of deposits into your account.

Additional Terms - The following additional terms apply to this account:

• No withdrawals are allowed on this account.

Deposits made after 3:00 p.m. will be credited to your account by the close of the next business day.

Fees For Other Services

* In compliance with Truth In Savings Regulations