a self directed brokerage account which now gives you the ability to invest in stocks, bonds and mutual funds with your HSA dollars. This is yet another way that the Bank of Cashton continues to bring value added services to our customers. We thank you for your business and hope you utilize this service that we have brought to you to enhance your Bank of Cashton Health Savings Account.

There are several benefits of using brokersXpress for self-directed investing. Including:

• Convenient, secure online trade confirmations and account statements.
• Access to thousands of stocks, bonds, and mutual funds.
• The ability to set-up multiple watch lists.
• Real-time account data including positions, balances, and order status, all at your fingertips.
• Click here for a listing of fees and charges
• FREE Morningstar Equity and Quicktake Reports!

brokersXpress is powered by the award-winning optionsXpress

To open a brokersXpress HSA brokerage account please click this link provided. In order for the Bank of Cashton to properly report to the IRS you MUST use the link provided above to open your brokerage account. Also please DO NOT send any money directly to brokersXpress as they will not accept any HSA funds directly. All contributions and distributions must be made from your Bank of Cashton Health Savings Account.

Please understand these few points when considering your investment options.

• It is possible your investments will lose money.
• There are no guarantees that your investments will make money.
• Your investments are NOT FDIC INSURED
• You cannot make additional contributions to your HSA to replace any losses that occur from investing.

1 Best Online Broker 3/6/06, 3/7/05, 3/8/04, 3/10/03, and one of Barron’s Best Online Brokers 3/3/07, refers to the optionsXpress website and is based on: Trade Experience; Trade Tech; Usability; Offerings; Research; Portfolio Analysis; Customer Service/Access; Costs. Barron's is a registered trademark of Dow Jones & Company © 2007. 2 "Best of the Web" & "Favorite Site" 9/15/06, refers to the optionsXpress website and is based on investor tools and educational services. FORBES, and other names of FORBES products referenced herein are trademarks or registered trademarks of FORBES Management Co., Inc. © 2007. 3 "The Best Online Broker" by Kiplinger's 7/06, refers to the optionsXpress website and is based on: Commissions/Fees; Executions; Margin Rates; Interest on Cash; Maximum Fund Transaction Fee; Responsiveness/Broker Knowledge; Research; Web Site; Cost-Basis Data; Conduct. Kiplinger's is a trademark of The Kiplinger Washington Editors, Inc. © 2007. 4 SmartMoney quote is from 8/05 and refers to optionsXpress.

brokersXpress is: Not a division of the Bank of Cashton • Not FDIC Insured • No Bank Guarantee • Subject to market fluctuations and may Lose Value • Your HSA Brokerage account is not a deposit account held at the Bank of Cashton

Securities offered through: brokersXpress, LLC, Member FINRA/SIPC a Registered Investment Advisor Corporate Office: 311 W. Monroe Street • Suite 1000 • Chicago, Illinois 60606 www.brokersxpress.com • 888.280.7030