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

MONEY MARKET 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 monthly.

Crediting Frequency - Interest will be credited into this account monthly.

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.

Minimum Balance- $1,000 minimum balance to open and avoid fees.  There is a $5 maintenance fee if your balance falls below the $1,000 minimum balance anytime during the statement cycle

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

Limitations on frequency of transfers - During any statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction.  No more than three of the six transfers may be made by check, draft, or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be charged 25¢ for every debit in excess of 6.

Please balance your statement within 10 days of receiving it. In the event of an error bring it to our attention immediately by contacting our bookkeeping department.

You may request up to 10 copies of checks per year without charge if you are a check safekeeping customer. Each copy in excess of 10 will be charged $1.00.

Please notify us if checks are lost or stolen. A stop payment order is $10.00. Your stop payment is good for 6 months and must be signed within 10 business days from the date the request was made.

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

In the event your account becomes overdrawn, your checks may be returned depending on the amount of the overdraft and a fee will be charged to your account. See Limits and Fees disclosure for overdraft fees.

Frequent overdrafts will result in a checking account being closed.

Fees For Other Services

* In compliance with Truth In Savings Regulations