THE WALL STREET JOURNAL I News Alert

March 19, 2013

U.S. Workers Are Saving Too Little to Retire

Workers and employers in the U.S. are bracing for a retirement crisis, even as the stock market sits near highs and the economy shows signs of improvement.

Fifty-seven percent of U.S. workers surveyed reported less than $25,000 in total household savings and investments excluding their homes. Only 49% reported having so little money saved in 2008.

Wanna Save More Money?

• Do you wish you saved more money?

• Do you keep track of your expenses?

• Do you put together an annual budget?

• Do you keep an ongoing personal financial statement?

Maybe you've thought about putting more of an emphasis on your personal

fina ncial situation but you haven ' t taken the time to get focused. Our newest

educational event "Getting Financially Organ ized" will help you get started.

"Getting Financially Organized"

When: Thursday, June 20th at 5:30pm

Where: Our Fenton location {1037 M ajestic)

Please RSVP to Brian Lunt at blunt@rockwoodbankcom

© consultants _ROUP

.___________.II.____ ______.I .____I ______.II.____------'

SPRING 2013

In association with

Securities offered through National Planning Corporation, (NPC), Member FINRA/SIPC. E3 Consultants Group, LLC, Rockwood Bank and NPC are separate and unrelated companies.

Donations to the Eureka Food Pantry

Thank you to everyone

that donated food items

for the Eureka Food

Pantry. Your donations

go to more than 100

families in our area so

all donations are very

much appreciated.

Mark Carley (pictured

here) dropped off all

the items that were

donated. They were

very excited!

Charity of the Month Our charity of the month program will feature Rockwood Bank as

a drop-off for a different charity every few months. Our current

charity is:

Mar-Apr: Franklin County Humane Society

Please see the “Wish List” below

has arrived!

MortgageBot is a new and exciting innovative program in which customers can go online to apply for mortgage loans. It allows them to view different options and choose the product that best fits their needs. Once they find the plan they feel works for them, they can apply and immediately receive their disclosures. This will help simplify and expedite the entire process. It also allows Rockwood Bank to capture new customers who may prefer “shopping” online for the best deal in town. Please view this new feature at www.rockwoodbank.com.

4 CONVENIENT LOCATIONS

EUREKA

219 Thresher Dr.

Eureka, MO 63025

FENTON

1037 Majestic

Fenton, MO 63026

HIGH RIDGE

23 Gravois Dillon Plaza

High Ridge, MO 63049

WILDWOOD

2620 Hwy 109

Wildwood, MO 63040

SPRING 2013

Rockwood’s Monthly Giveaway Every month we have a featured giveaway for our customers. Here are some of the recent winners:

January

February

Don Griese (our local

veterinarian) won January's

giveaway at our Eureka

location, a nice wine basket.

This is Rich Miller. He

won the January basket

drawing from High Ridge

Jack Karg won a gift certificate

to Marty’s Bar & Grill in High Ridge.

Robyn Moeller was the winner

at our Fenton branch, a $25 gift

certificate to Dooley’s 026.

Margaret Bultas won $25 to Joe Boccardi’s in Eureka. Vivian Lodderhose won $25 to Super Smokers in Eureka.

Sam Scott won The Company BBQ certificate in High Ridge.

Dede Wagner won a $25 certificate (in Fenton) to Holland Café & Meats

March

Sheila McNamara won a

Windowsills gift certificate.

Shirley Handling won a Eureka

Wine House gift certificate.

Gift basket with $25 to the movie theater

Rockwood Bank-Wildwood welcomes Becky Coyner to our mortgage processing staff.

Becky lives in Fenton, MO. She is married with two children and two grandchildren and expecting her third grandchild soon. Becky comes to us with 36 years of banking experience and will be working with the mortgage processing department, while supporting our teller line as needed. Welcome Becky!

Jean Tucker with Rockwood Bank customers at the Eureka Center Luncheon.

We’re not just a bank in your community, We’re your community bank.

Come in and Play Today Don’t forget to check us out online at:

April’s Giveaway: $50 to a local nursery www.rockwoodbank.com

·_-~ "' -.·r• dl1 . ... I • ~ ) --

ltJJ • • ., , "'·, IL ... a-.1

- ----= .... ....

SPRING 2013

VA GUARANTEED LOANS A new Rockwood Bank mortgage product

What is a VA Guaranteed Loan? VA Guaranteed loans are made by banks, savings & loans or mortgage companies to

eligible veterans for the purchase of a home...which must be for their personal occupancy.

To get a loan, a veteran must apply to a lender. If the loan is approved, the Veteran's Administration (VA) will guarantee a portion of it to the lender. This guaranty protects the lender against loss up to the amount guaranteed and allows a veteran to obtain favorable financing terms.

There is no maximum VA loan. However, lenders will generally limit VA loans to $417,000. This is because lenders sell VA loans in the secondary market, which currently places a $417,000 limit on loans. For loans up to this amount, it is usually possible for qualified veterans to obtain no down payment financing.

A veteran's basic entitlement is $36,000 (or up to $104,250 for certain loans over $144,000). Lenders will generally loan up to four times a veteran's available entitlement without a down payment, provided the veteran is income and credit qualified and the property appraises for the asking price.

VA Loans Offer the Following Important Features:

Equal opportunity for all qualified veterans to obtain a VA loan.

No down payment (unless required by the lender or the purchase price is more than the reasonable value of the property).

Buyer informed of reasonable value.

Negotiable interest rate.

Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5% and exemption for veterans receiving VA compensation).

Closing costs are comparable with other financing types (may be lower).

No mortgage insurance premiums.

An assumable mortgage.

Right to prepay without penalty.

VA assistance to veteran borrowers in default due to temporary financial difficulty.

VA does not do the following: Guarantee that a home is free of defects. The VA guarantees only the loan. It is the

veteran's responsibility to assure the he/she is satisfied with the property being purchased. The VA appraisal is not intended to be an "inspection" of the property. A veteran should seek expert advice (a qualified residential inspection service), as necessary, BEFORE legally committing to a purchase agreement.

If you have a home built, the VA cannot compel the builder to correct construction defects--although the VA does have the authority to suspend a builder from further participation in the home loan program.

The VA cannot guarantee a veteran is making a good investment. The VA cannot provide a veteran with legal services.

How Does a Veteran Obtain a VA Guaranteed Loan? Contract to purchase: Veteran selects home and discusses purchase with seller or

selling agent and signs purchase contract conditioned on approval of a VA guaranteed loan.

Loan Application: Veteran selects lender, presents Certificate of Eligibility, and completes loan application. Lender will develop all credit information and request VA to assign a licensed appraiser to determine the reasonable value for the property.

Veteran will pay for credit report and appraisal unless the seller agrees to pay. Either VA or the lender will issue a value for the property for loan purposes based on

the appraisal. Loan decision: If the established value is acceptable to all parties and the lender

develops that a veteran is credit and income qualified, the loan may be approved. Loan Closing: Veteran (and spouse) attend the loan closing and sign the note,

mortgage, and other related papers. The lender or closing attorney will explain the loan terms and requirements as well as where and how to make the monthly payments.

How Can I Obtain More Information About VA Home Loans? This is just a brief summary of how the VA Mortgage Product works. For more

information on this and other Mortgage related topics please contact one of

Rockwood Bank's Mortgage Specialists:

John Ruprecht: (636) 225-9222 (jruprecht@rockwoodbank.com)

Lane Alpert: (636) 458-9222 (lalpert@rockwoodbank.com)

Tom Bangert: (636) 677-9222 (tbangert@rockwoodbank.com)

FIFTY - SIXTY - SEVENTY We recently celebrated some special birthdays.

John Ruprecht celebrated his 50th. Mary Davis celebrates her 60th.

.

Happy

Happy

Happy

Birthday!

Joan Sutterer celebrated her 70th

Marilyn Mays and several Rockwood Bank customers helped bag Arbor Day trees for the Senior Center in Eureka to give away.

Ann Moore was very grateful for the help as it normally takes her two days to bag up the trees. Marilyn and our terrific customers got it done in two hours!

CUSTOMER APPRECIATION DAY IS JUNE 14TH!

Charlene Birke recently celebrated her 20

th year at Rockwood Bank. She

received a crystal vase in recognition of her service to Rockwood.

Franklin County

Humane Society

SPRING 2013

Wish List Pet Foods and Supplies ·Purina, Purina ONE, ProPlan or Iams canned or dry cat and KITTEN food. We have a year-round shortage! Please, we only need these brands as we try to feed quality foods to keep our animals healthy. ·Blankets (washable and fleece fabric) for cold kennel dogs ·Stainless steel non-tip bowls Rawhide chews and rawhide bones, ·Kongs or Nylabone chewing bones, hard rubber toys ·Washable dog and cat toys (no dangerous parts) ·Rolled and tied newspapers ·Cat litter or pelleted litter available at feed stores (Eagle Valley Brand) ·Used or new bath towels and washcloths ·New or used leashes, collars, harnesses ·New or used rubber backed throw rugs-for placing in the dog crates at adoption events so that they look their best! They get noticed if on pretty rugs; rubber backing keeps them from slipping. ·Old blankets and quilts cut small enough to fit in a washing machine – cut and finished if possible ·Collapsible crates, carriers

Cleaning Supplies ·30 gallon drawstring trash bags ·Toilet paper & paper towels ·Hand sanitizer ·Boxes of powder-free latex or vinyl gloves ·Spray cleaners, glass cleaners, wipes ·Bottled bleach; Kaboom cleaner ·Cleaning rags with scrubby side; scrub brushes ·Mop heads with looped ends ·Brooms & dustpans; spray bottles & sponges ·Laundry powder; dishwashing liquid

Medical Supplies ·Frontline Plus, Advantix, or Revolution flea and tick control products, please only these brands ·Heartworm Preventative ·Insulin syringes-still in their boxes or packages to assure sterility

Office Supplies 2 pocket folders Copy paper (white & light colors) Postage stamps-forever & postcard HP 88, 21, 22 ink cartridges 2 window security envelopes Black Sharpies; Scotch tape Paper shredder Gift cards to major stores like Wal-Mart, Kohls, Target & Office Max

The Franklin County Humane Society is a 501(c)(3) non-profit, non-governmental, privately run organization. We take in approximately 4000 animals each year. We do not receive any tax dollars or funds from national humane organizations. Your tax-deductible donations are vital to our existence.

Jean Tucker of Wildwood branch is pictured here at Eureka Park’s Easter Egg Hunt held March 23rd

at Drewel Park in Eureka, registering the participants. Saturday was a busy time at the registration table, letting all these little ones into the egg hunt area. It was setting up and registering and boxing back up, worth every minute to see all these families enjoy the day! Happy Easter everyone!

When Irish Eyes are Smiling They’re usually up to something

Marilyn Mays, our Prestige Club Director, presents information on the upcoming trip to Ireland.

Girl Scouts®

Life Takes You Places We can help you get there.

At Rockwood Bank, we offer products and services that give you the most

for your money. a-,, FICJC::KUJCICICJ EIA,__.IG OUR BANK WORKS FOR YOU

219 Thresher I Eureka, MO 63025 P: (636) 938-9222 I F: (636) 938-3370

www. rockwood bank.com

SPRING 2013

While touring the location the 21

girls accompanied by a few Leaders

viewed the drive-thru, ATM, and the

safe deposit box room along with

Rockwood Bank Fenton

was proud to host Girl

Scout Troop 2698 on

Tuesday March 5, 2013.

The visit was intended to teach the girls about

being fair and honest. After the tour the girls left

the bank with a brochure, Rockwood Bank cup

and, of course, suckers in hand. We would like to

thank longtime bank customer Nancy VanCardo

and the other Girl Scout leaders for giving us the

opportunity to help teach these young ladies.

the vault.