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Foresight Bank
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Health Savings Account Disclosure

FREE BANKING FEATURES
Free 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.
Free Electronic Statements: You may receive electronic statements ("eStatements") without any charge.
No-Fee Online Bill Payment Program: You may enroll in Foresight Bank's online Bill Pay program and make unlimited payments without charge.
INTEREST RATES AND ANNUAL PERCENTAGE YIELDS
At our discretion, we may change the interest rates for this account.
Tier 1: If your daily balance is $25,000.00 or more, the interest rate paid on the entire balance in your account will be 0.15 with an annual percentage yield (APY) of 0.15.
Tier 2: If your daily balance is $2,500.00 or more, but less than or equal to $24,999.99, the interest rate paid on the entire balance in your account will be 0.05 with an annual percentage yield (APY) of 0.05.
Tier 3: If your daily balance is $1,000.01 or more, but less than or equal to $2,499.99, the interest rate paid on the entire balance in your account will be 0.000% with an annual percentage yield (APY) of 0.00%.
Tier 4: If your daily balance is less than or equal to $1,000.00, the interest rate paid on the entire balance in your account will be 0.000% with an annual percentage yield (APY) of 0.00%.The interest rates and annual percentage yields may change at any time.
TERMS AND CONDITIONS
Additional Rate Information: Your interest rate and annual percentage yield may change at any time without advance notice and according to Foresight Bank's discretion.
Minimum balance to open: The minimum balance required to open this account is $20.00.
Daily balance computation method: Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of interest on noncash deposits: Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.
Compounding frequency: Interest will be compounded monthly.
Crediting frequency: Interest will be credited into this account monthly.
Effect of Closing the Account: If you close the account before interest is credited, you will receive the accrued interest.
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 AGAINST YOUR ACCOUNT, AS APPLICABLE
See the Fee Schedule for additional fees that may be assessed against your account.

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