Exhibit 4.2

    

    

    Description of Riverview Bancorp, Inc.’s Capital Stock

    

    

    The following briefly summarizes the material terms of Riverview Bancorp Inc.’s (“Riverview”) capital stock. In
      connection with this summary, we urge you to read Riverview’s articles of incorporation and bylaws in their entirety, copies of which have been filed as exhibits to Riverview Bancorp Inc.’s Annual Report on Form 10-K.

    

    

    General

    Riverview’s authorized capital stock currently consists of:

    
      	
              •

            	
              50,000,000 common shares, $0.01 par value per share; and

            


    

    
      	
              •

            	
              
                250,000 preferred shares, $0.01 par value per
                    share.

              

            


    

       

    Common Shares

    Each Riverview common share has the same relative rights and is identical in all respects with each other Riverview
      common share. Riverview common shares represent non-withdrawable capital, are not of an insurable type and are not insured by the FDIC or any other government agency.

    Subject to any prior rights of the holders of any preferred shares or other shares of Riverview then outstanding,
      holders of Riverview common shares are entitled to receive such dividends as are declared by the board of directors of Riverview out of funds legally available for dividends.

    Except with respect to greater than 10% shareholders, full voting rights are vested in the holders of Riverview
      common shares and each share is entitled to one vote. See “Comparison of Stockholders’ Rights.” Subject to any prior rights of the holders of any Riverview preferred shares then outstanding, in the event of a liquidation, dissolution or winding up of
      Riverview, holders of Riverview common shares will be entitled to receive, pro rata, any assets distributable to shareholders in respect of shares held by them. Holders of Riverview common shares will not have any preemptive rights to subscribe for
      any additional securities which may be issued by Riverview, nor will they have cumulative voting rights.

    

    

    Preferred Shares

    Riverview may issue preferred shares in one or more series at such time or times and for such consideration as the
      board of directors of Riverview may determine, generally without shareholder approval. The board of directors of Riverview is expressly authorized at any time, and from time to time, to issue Riverview preferred shares, with such voting and other
      powers, preferences and relative, participating, optional or other special rights, and qualifications, limitations or restrictions, as are stated and expressed in the board resolution providing for the issuance. The board of directors of Riverview is
      authorized to designate the series and the number of shares comprising such series, the dividend rate on the shares of such series, the redemption rights, if any, any purchase, retirement or sinking fund provisions, any conversion rights and any
      special voting rights. The ability of Riverview’s board of directors to approve the issuance of preferred or other shares without shareholder approval could make an acquisition by an unwanted suitor of a controlling interest in Riverview more
      difficult, time-consuming or costly, or otherwise discourage an attempt to acquire control of Riverview.

    Preferred shares redeemed or acquired by Riverview may return to the status of authorized but unissued shares,
      without designation as to series, and may be reissued by Riverview upon approval of its board of directors.

    

    

    Other Anti-Takeover Provisions

    In addition to the ability to issue common and preferred shares without shareholder approval, Riverview’s charter and
      bylaws contain a number of provisions which may have the effect of delaying, deferring or preventing a change in control of Riverview.