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Foresight Bank
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E-Checking Account Disclosure

FREE BANKING FEATURES
Online Banking: You may enroll in Foresight Bank's online banking application ("iBanking") by clicking here. There is no fee to enroll in or to use iBanking.
Online Bill Pay: This account does not have any fees for unlimited transactions.
Free Electronic Statements: You may receive electronic statements ("eStatements") without any charge.
No Monthly Service Fee: This account does not have any monthly service fee as long as you receive electronic statements, but additional services (such as online bill pay) are available and have a monthly fee.
No Minimum Balance Requirements: This account does not have any minimum balance fees or requirements.
TERMS AND CONDITIONS
Initial Deposit: You must deposit at least $20.00 to open this account. This account does not have a minimum balance fee.
Deposit limitations: You may make an unlimited number of deposits into your account.
Interest: This account does not earn interest.
Ready Reserve Line of Credit: If you have a Ready Reserve line of credit, available credit will not be included in your available balance disclosed at the ATM. If you access your line of credit when making a purchase or ATM withdrawal, you will be subject to the terms and conditions (including fees and interest) noted in your Ready Reserve agreement.
Modification: Foresight Bank may make changes to the account terms and conditions (including fees) after providing 30 days' advance notice to you. The interest rate and annual percentage yield may change without any advance notice.
Other Terms and Conditions: Please see the Deposit Account Agreement for other important terms and conditions that apply to this account.
FEES THAT MAY BE ASSESSED TO YOUR ACCOUNT, AS APPLICABLE
The following fees and charges apply to this account:
Debit Item Fee: A "debit item" is a check paid, in-person withdrawal, ATM withdrawal, automatic transfer, or any other payment out of this account. A "debit item" does not include an iBanking transfer, ACH payment, or debit card transaction. If you have more than 100 debit items in a monthly statement cycle, a fee of $0.20 will be charged for each debit item over 100.
Transit Fee: A "transit" item is a check not drawn on Foresight Bank that is deposited to this account. If you have more than 200 transit items in a monthly statement cycle, a fee of $0.20 per item will be charged for each transit item over 200.
Paper Statement Fee: $5.00 per month if you cancel your enrollment in eStatements or if eStatement e-mail notifications are undeliverable. An active iBanking account is required in order to receive eStatements.

See the Fee Schedule for additional fees that may be assessed against your account.

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