Which of the following statements about retained earnings restrictions is incorrect?

  1. Many states require a corporation to restrict retained earnings for the cost of treasury stock purchased.
  2. Long-term debt contracts may impose a restriction on retained earnings as a condition for the loan.
  3. The board of directors of a corporation may voluntarily create retained earnings restrictions for specific purposes.
  4. Retained earnings restrictions are generally disclosed through a journal entry on the books of a company.