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

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 quarterly.

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

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 - $90 minimum balance to open and to avoid fees.  There is a $1 monthly fee if your balance falls below the $90 minimum balance

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 6 debits during any statement cycle your account will be charged 25¢ for each debit in excess of 6.

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

Frequent overdrafts will result in a savings 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