Super NOW Checking Account

Truth-in-Savings Disclosure

Variable Rate Information
The interest rate on your account is .55%, with an annual percentage yield (APY) of .55%. Your interest rate and annual percentage yield may change.

Determination of Rate
At our discretion, we may change the interest rate on your account.

Frequency of Rate Changes
We may change the interest rate on your account at any time.

Limitations on Rate Changes
There are no maximum or minimum interest rate limits for this account.

Compounding and Crediting
Interest will be compounded monthly and will be credited to your account monthly.

Minimum Balance Requirements
You must deposit $2,500.00 to open this account. Minimum balance fee of $6.50 will be imposed every month if the balance in the account falls below $2,500.00 any day of the month.
You must maintain a minimum daily balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement. You will earn interest for the entire statement period regardless of your balance.

Balance Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual on Noncash Deposits
Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Fees and Charges

The following fees and charges may be assessed against your account

Check printing fees vary by the style of check ordered

Checking Account Hold

$30.00

Special Statements

$3.00

Non-Sufficient Funds (NSF & Overdrafts)

Check Paid - Returned

$30.00

Daily Overdraft Fee

$15.00

Money Orders (only up to $300)

$2.00

Cashiers Checks to $500

$3.00

Cashiers Checks over $500 (per hundred)

$.50

Regular Travelers Cheques 1% of Total Purchase

Travelers Cheques for Two (per hundred)

$1.75

Wire Transfers - Incoming

$10.00

Wire Transfers - Outgoing

$15.00

Facsimile Service (FAX) - Incoming First Page

$2.00

Facsimile Service (FAX - Outgoing First Page

$3.00

Facsimile Service (FAX) - Additional Pages - Incoming and Outgoing

$1.00

Photocopies

$0.25

Safe Deposit Box Fees (3X5 box)

$18.00

Safe Deposit Box Fees (5X5.5 box)

$20.00

Safe Deposit Box Fees (3X10.5 box)

$20.00

Safe Deposit Box Drilling

$100.00

Lost Safe Deposit Box Key

$20.00

Overdraft Protection/Sweep Authorization Annual Fee -Also Per Transfer Fee of $.50

$15.00

Account Balancing/Research/Reconcilement-First Time Free - 10 Minute Maximum; Thereafter $10/hour - Minimum $10.00

Garnishments

$25.00

Levies

$25.00

Collection Fees - First $1000

$5.00

Over $1000

$10.00

Notary Fees (non-customer only)

$5.00

Indemnity Bonds

$15.00

Transaction Limitations
No transaction limitations apply to this account.

Description of other Accounts Available
Deposit accounts offered by Benton State Bank/Shullsburg Community Bank and Tennyson/Potosi Community Bank include: Statement Savings, Regular checking, Hometown Advantage Checking, NOW, Super NOW, Money Market and various Certificates of Deposit.

More detailed information on applicable fees are included with the attached "schedule of fees and charges" and also upon request.

More detailed information on the accounts described above is available upon request.

Benton State Bank/Shullsburg Community Bank/Tennyson/Potosi Community Bank and our affiliated parent company, BSB Community Bancorporation Inc., continue to recognize and respect your personal privacy. Confidentiality is a key part of providing quality financial services. Our organization continues its commitment to upholding high standards of privacy for your protection and benefit. Whether you are an existing customer or are considering a relationship with us, we want you to know how we collect, use and retain information about you and your business relationship with us. Summarized below is our customer privacy program.

Recognition of Customer Privacy Expectations: Our financial institution respects that our customers expect and deserve privacy. Information that has been entrusted to us will be held in the strictest confidence. We maintain high standards to ensure that the information is used only for appropriate business reasons in accordance with applicable laws and regulations.

Collection, Use and Retention of Customer Information: We collect, use and retain customer information from a variety of sources for the purpose of administering our business or to provide products, services or other opportunities for our customers. Customer information is obtained directly from the customer, is collected when recording customer activity and related transactions, or is requested with your permission from outside sources (such as employment verifications, credit reports, etc.). This information is used to evaluate and manage our risks; to protect and administer your accounts, records and funds; to comply with applicable laws and regulations; to develop and enhance our portfolio of products and services and other valid business purposes.

Information Accuracy: Benton State Bank/Shullsburg Community Bank/Tennyson/Potosi Community Bank and our affiliate company continually strive to maintain complete and accurate information about you and your accounts. If you ever believe that our information is inaccurate or incomplete, please notify us immediately. We will review your concerns and correct any inaccuracies. Under the Fair Credit Reporting Act, you have the right to notify us if you believe we have reported inaccurate information about your account to any Consumer Reporting Agency. Please submit your request for correction in writing and include your full name, current address, social security number, account number, telephone number, and the information you believe is inaccurate. Please inform us of the reason you believe the information is incorrect and we will research and correct information appropriately. Send your note to:

Benton State Bank
42 W Main Street
PO Box 27
Benton WI 53803

Employee Access to Customer Information: Benton State Bank/Shullsburg Community Bank Tennyson/Potosi Community Bank and our affiliate maintain security levels and related procedures to assist in the prevention of unauthorized access to confidential information within our organization. Secured access is delegated upon a "need to know" basis commensurate with each employee's responsibilities. Our employees are instructed in the importance of confidentiality and are provided with written privacy guidelines. Appropriate disciplinary action will be taken to enforce our privacy standards.

Maintaining Customer Privacy with Third Party Business Partners: It is necessary upon occasion to provide personally identifiable information about our customers to a party outside of our organization. Benton State Bank/Shullsburg Community Bank/Tennyson/Potosi Community Bank and our affiliate are highly selective in choosing vendors and service companies that assist us in servicing our customers. These relationships are maintained solely to perform services on our behalf including, but not limited to, customer statement rendering, items processing, electronic data processing services, or other services required to support our products and services. These business partners agree to safeguard our confidential customer information and they must abide by applicable law.

Internet and Electronic Privacy: With the rapid expansion of technological capability in our industry and in our institution, Benton State Bank/Shullsburg Community Bank/Tennyson/Potosi Community Bank is committed to maintaining and expanding effective systems to facilitate the convenient delivery of services, regardless of the methods of delivery. We value our customers and recognize the importance of your trust and confidence in us. Information gathered via the internet, when established, or other electronic means will be used only for appropriate purposes such as evaluation of our web pages' effectiveness, designing new products or services for the benefit of our customers or estimating system capacity needed to conveniently service our customers.

Restricted Disclosure of Information: Responsible use of information benefits our customers by protecting your privacy and by enabling us to offer you improved products and services based on your needs. It is our policy to prohibit the sale of customer information to parties outside of our corporate family. Benton State Bank/Shullsburg Community Bank/Tennyson/Potosi Community Bank and our affiliate does not reveal specific information about your accounts or other personally identifiable data to external parties unless:

• You request disclosure of the information

• The information is necessary to complete a transaction or perform a service at your request;

• The information is provided to a reputable credit bureau or similar information reporting agency; or

• The disclosure is otherwise lawfully permitted or required.

We are permitted to share information about your transaction and account experience with our affiliate through a central information system, and also with companies that perform marketing services on our behalf, and with whom we have joint marketing agreements. This assists us in improving the type and selection of services available to you. We are also permitted by law to share other customer information with our branches. Shullsburg Community Bank and Tennyson/Potosi Community Bank are branches of the Benton State Bank.

We do not disclose nonpublic personal information about former customers, except as permitted by law.

Funds Availability Policy Disclosure

Purpose of This Disclosure
The information here describes our policy of holding deposited items in a transaction account before funds are made available to you for withdrawal. This is what is called our Funds Availability Policy.

For purposes of this disclosure, the terms "you"/"your" refer to the customer and the terms "our"/"we"/"us" refer to the Bank.

Generally, transaction accounts are accounts which would permit an unlimited number of payments by check to third persons, and also an unlimited number of telephonic and preauthorized transfers to third persons or other accounts you may have with us.

Determining the Availability of Your Deposit
The length of the delay varies depending on the type of deposit and is explained below. When we delay your ability to withdraw funds from a deposit, you may not withdraw the funds in cash, and we will not pay checks you have written on your account by using these funds. Even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

When we delay your ability to withdraw funds, the length of the delay is counted in Business Days from the day of your deposit. The term "Business Day" means any day other than a Saturday, Sunday or federally declared legal holiday, and the term "Banking Day" means that part of any Business Day on which we are open to the public for carrying on substantially all of our banking functions.

In order to establish that a deposit is made on a particular business day, we establish a cut-off time. You must make your deposit before the cut-off time in order for it to be considered to have been made on that business day. The cut-off time that we use depends on the location where you make your deposit.

If you make a deposit at Benton State Bank before 2:30 pm on a Business Day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 2:30 pm or on a day that we are not open, we will consider the deposit made on the next Business Day we are open.

If you make a deposit at Shullsburg Community Bank or Tennyson/Potosi Community Bank before 2:00 pm on a Business Day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 2:00 pm or on a day that we are not open, we will consider the deposit made on the next Business Day we are open.

Availability Schedule
Our policy is to make funds from your cash and check deposits available to you on the first Business Day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and we will use them to pay checks that you have written.

Holds on Other Funds for Check Cashing
If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.

Holds on Other Funds in Another Account
If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

Longer Delays May Apply
In some cases, we will not make all of the funds that you deposit by check available to you according to the previously stated availability schedule. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. The first $100.00 of your deposits, however, may be available on the first business day.

If we are not going to make all of the funds from your deposit available to you according to the previously stated availability schedule, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.

Funds you deposit by check may be delayed for a longer period under the following circumstances: (a) if we believe a check you deposit will not be paid; (b) if you deposit checks totaling more than $5,000.00 on any one day; (c) if you redeposit a check that has been returned unpaid; (d) if you have overdrawn your account repeatedly in the last six months; or (e) if an emergency condition arises that would not enable us to make the funds available to you, such as the failure of computer or communications equipment.

We will notify you if we delay your availability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh business day after the day of your deposit.

ELECTRONIC FUND TRANSFER DISCLOSURE

For purposes of this disclosure the terms "we", "us" and "our" refer to the Bank named above. The terms "you" and "your" refer to the recipient of this disclosure.

The Electronic Fund Transfer Act and Regulation E require Banks to provide certain information to customers regarding electronic fund transfers (EFTs). This disclosure applies to any EFT service you receive from us related to an account established primarily for personal, family or household purposes. Examples of EFT services include direct deposits to your account and automatic regular payments made from your account to a third party.

This disclosure contains important information about your use of electronic fund transfer (EFT) services provided by this Bank in relation to accounts established primarily for personal, family or household purposes. Please read this document thoroughly and retain it for future reference.

Electronic Fund Transfer Services Provided

Preauthorized Transfer Services
You may arrange for the preauthorized automatic deposit of funds to your checking account(s), savings account(s), money market account(s), and NOW account(s).

You may arrange for the preauthorized automatic payment of bills from your checking account(s), savings account(s), money market account(s), and NOW account(s).

Limitations on Transactions

Check Cashing Fees- Benton State Bank/Shullsburg Community Bank and Tennyson/Potosi Community Bank reserves the right to charge a $5.00 check cashing fee for non-customers.

Cash Out Limitation - Benton State Bank/Shullsburg Community Bank and Tennyson/Potosi Community Bank reserves the right to limit cash out for payment of any draft to $5,000. Any remaining balance may be paid through an official check or bank draft.

The Benton State Bank/Shullsburg Community Bank and Tennyson/Potosi Community Bank reserves the right to close any deposit account at our discretion.

Limits on Transfers from Certain Accounts.
Federal regulation limits the number of telephonic transfers and preauthorized electronic transfers to third parties (including Point of Sale transactions) from money market and savings type accounts. You are limited to six such transfers from each money market and/or savings type account(s) you have each statement period for purposes of making a payment to a third party or by use of a telephone.

Notice of Rights and Responsibilities

The use of any electronic fund transfer services described in this document creates certain rights and responsibilities regarding these services as described below.

Right to Receive Documentation of Your Transfers

Periodic Statements.
If your account is subject to receiving a monthly statement, all EFT transactions will be reported on it. If your account is subject to receiving a statement less frequently than monthly, then you will continue to receive your statement on that cycle, unless there are EFT transactions, in which case you will receive a monthly statement.

Preauthorized Deposits.
If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company:
- you can call us at 608-759-3600 to find out whether or not the deposit has been made.

Rights Regarding Preauthorized Transfers

Rights and Procedures to Stop Payments.
If you have instructed us to make regular preauthorized transfers out of your account, you may stop any of the payments. To stop a payment,

call us at: 608-759-3600
or write to:
Benton State Bank
42 W Main St
PO Box 27
Benton WI 53803

We must receive your call or written request at least three (3) business days prior to the scheduled payment. If you call, please have the following information ready; your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer. If you call, we will require you to put your request in writing and deliver it to us within fourteen (14) days after you call.

Notice of Varying Amounts
If you have arranged for automatic periodic payments to be deducted from your checking or savings account and these payments vary in amount, you will be notified by the person or company you are going to pay ten days prior to the payment date of the amount to be deducted. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.

Our Liability for Failure to Stop Preauthorized Transfer Payments.
If you order us to stop one of the payments and have provided us with the information we need within three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses or damages.

Your Responsibility to Notify Us of Loss or Theft

Consumer Liability

For Preauthorized Transfers
If your statement shows transfers you did not make, tell us at once. If you fail to telephone us or write us within sixty (60) days of receiving your periodic statement or other receipt of an electronic fund transfer which appears to be unauthorized, you will be liable for the lesser of $50.00 or the amount of the unauthorized electronic fund transfer that appears on the periodic statement or receipt or that occurs during the sixty (60) day period. If you do not tell us within sixty (60) days after the periodic statement or receipt was mailed to you, you may not receive back any of the money you lost after the sixty (60) days, and therefore, you could lose all the money in your account (plus your maximum overdraft line of credit), if we can prove that we could have stopped someone from taking the money had you given us notice in time.

In Case of Errors or Questions About Your Transactions
In case of errors or questions about your electronic fund transfers:

Call us at: 608-759-3600
or write to:
Benton State Bank
42 W Main St
PO Box 27
Benton WI 53803

or use the current information on your most recent account statement.

Notification should be made as soon as possible if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. You must contact the bank no later than 60 days after the bank sent you the first statement on which the problem or error appears. You must be prepared to provide the following information:

• Your name and account number

• A description of the error or transaction you are unsure about along with an explanation as to why you believe it is an error or why you need more information.

• The dollar amount of the suspected error.

If you provide oral notice, you will be required to send in your complaint or question in writing within ten (10) business days.

We will determine whether an error occurred within ten (10) business days (twenty (20) business days for new accounts) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days (ninety (90) days for new accounts and foreign initiated transfer(s) to investigate your complaint or questions. If we decide to do this, we will credit your account within ten (10) business days (twenty business (20) days for new accounts) for the amount which you think is in error, so that you will have the use of the money during the time it takes to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. The extended time periods for new accounts apply to all electronic fund transfers that occur within the first thirty (30) calendar days after the first deposit to the account is made, including those for foreign initiated transactions.

We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.

You may ask for copies of the documents that we used in our investigation.

Liability for Failure to Complete Transaction
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages as provided by law. However, there are some exceptions. We will NOT be liable, for instance:

• If through no fault of ours, you do not have enough money in your account to make the transfer.

• If the transfer would result in your exceeding the credit limit on your line of credit, if you have one.

• If circumstances beyond our control (such as fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken.

• If we have terminated our Agreement with you.

• If we receive inaccurate or incomplete information needed to complete a transaction.

• In the case of preauthorized transfers, we will not be liable where there is a breakdown of the system which would normally handle the transfer.

• If the funds in the account are subject to legal action preventing a transfer to or from your account.

There may be other exceptions provided by applicable law.

Charges for Transfers or The Right to Make Transfers

Please see our schedule of fees and charges for any charges that may be incurred by you for usage of our automatic teller machines, telephone banking system, or from usage of your debit cards.

Disclosure of Account Information

We will disclose information to third parties about your account or electronic fund transfers made to your account:

1. Where necessary to complete a transfer or to investigate and resolve errors involving the transfer(s); or

2. In order to verify the existence and condition of your account for a third party such as a credit bureau or merchant; or

3. In order to comply with government agency or court orders; or

4. With your consent.

Definition of Business Day
Business days are Monday through Friday excluding holidays.

Additional Provisions

The Shullsburg Community Bank and Tennyson/Potosi Community Bank are branches of the Benton State Bank. The branch and other facilities (as may apply in the future) are in fact parts of the same insured institution and deposits held at each facility are not separately insured.

Automated Teller Terminal Locations

Zephyr Depot
119 Main St
Benton WI 53803

Miner Depot
206 State Road 11
Shullsburg WI 53586

Bryson's Trading Post
1849 Galena St
Darlington WI 53530

Gulers Corner
1895 State Road 80S
Cuba City WI 53807