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Foresight Bank
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Premium Checking Account Disclosure

ACCOUNT 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.
No-Fee Online Bill Payment Program: You may enroll in Foresight Bank's online Bill Pay program and make unlimited payments without charge.
Free Electronic Statements: You may receive electronic statements ("eStatements") without any charge.
Discounted Safe Deposit Box Rental: You will receive a 30% discount on Foresight Bank safe deposit box rental rates.
Free Checks: You may order Foresight Bank single-style checks at no cost (customized checks are available at a 50% discount).

TERMS AND CONDITIONS
Initial Deposit: You must deposit at least $10.00 to open this account. This account does not have a minimum balance fee.
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.
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
Monthly Service Fee: $3.00 per monthly statement cycle.
ATM Transactions: $1.00 ATM Fee per withdrawal at machines outside of the PULSE network. When you use an ATM not in the MoneyPass or PULSE networks, the ATM operator or network may charge you a fee for a withdrawal or a balance inquiry even if you do not complete a fund transfer.
International Transaction Fee: A fee of up to 1% of the transaction amount applies to debit card and ATM transactions with a merchant or ATM in a foreign country. The fee may show up as "C/B Fee", "C/C Fee", or both on your statement.
Overdraft Fee: $25.00 per paid non-sufficient-funds item (daily maximum of $50.00) for items created by check, in-person withdrawal, or electronic means (excluding debit card transactions).
Return Item Fee: $25.00 per returned non-sufficient-funds item (daily maximum of $50.00) for items created by check, in-person withdrawal, or electronic means.
Continuous Overdraft Fee: $20.00 per business day, beginning on the sixth business day and every business day thereafter you are overdrawn. This fee is in addition to any "per-item" fees.
Stop Payment Requests: $15.00 per request.
Dormant Account: $3.00 per month if your account does not have any activity in the previous 12 months and the account balance is less than $100.00.
Sweep Account Option: $10.00 one-time set-up charge.
Account Balancing Assistance: $20.00 per hour.
Check Printing: Fee depends upon style and quantity ordered. Checks are free if the Foresight Bank single-style checks are ordered.