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

NOW 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  - $175 minimum balance to open and to avoid fees.  There is a $5 maintenance fee if your balance falls below the $175 minimum balance anytime during the statement cycle.  Also, you will be charged 15¢ charge for each debit if your balance falls below the $175 minimum balance anytime during the statement cycle.

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

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 with out charge if you are a check safekeeping customer. Each additional 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.

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 the Limits and Fees disclosure for Overdraft fees.

Frequent overdrafts will result in a checking account being closed.

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