Disclosures: Customer Identification Program

Federal regulations enacted pursuant to Section 326 of the USA PATRIOT Act require all financial institutions to verify the identity of every person who seeks to open an account or become a signatory on an account with the institution after October 25, 2002. All persons are subject to the identity verification requirements even though they may be a long term customer of and well known to the institution.

For the purpose of the regulation, an "account" includes every formal banking relationship that entails ongoing services, dealings or transactions. Some examples are a deposit account, loan, or safe deposit box rental.

If you request to open an account or become a signatory on an account with Bank of Wausau and Bank of Wausau has not previously verified your identity under the new regulatory requirements, Bank of Wausau will request documentary verification of your identity, such as a driver's license or passport and/or it will verify your identity through other non-documentary methods. Similar identification requirements apply to business entities such as corporations and partnerships.

Bank of Wausau is required to retain a copy of any document it relied on to verify your identity.