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Forward Bank

Disclosures

Copyright Notice and Disclosures

Use of Information

Any person is hereby authorized to view the information available from this web site for informational purposes only. No part of the information on this site can be redistributed, copied, or reproduced without prior written consent of Forward Bank.

Disclaimer of Warranties

The information contained or accessed, and references to corporations, including their services and products, are provided "as is" without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, or error-free or uninterrupted service.

Descriptions of, or references to, products, services or publications within Forward Bank’s web site does not imply endorsement of that product, service or publication. Forward Bank makes no warranty of any kind with respect to the subject matter included herein, the products listed herein, or the completeness or accuracy of the information. Forward Bank specifically disclaims all warranties, express, implied or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose.

This publication could include technical inaccuracies or typographical errors. Changes may be periodically made to the information herein.

Disclosures

Facts, data, & other information presented on Forward Bank website pages are provided directly by Forward Bank.

Forward Bank, our employees, officers, directors and shareholders, as well as Pannos, are not responsible for typographical errors or errors of omission; and, we cannot guarantee that all information is accurate or complete.

Deposit information presented on the website of Forward Bank is in accordance with the Federal Reserve’s Truth in Savings Act (12CFR1030). Interest rates displayed for deposit products are based on Annual Percentage Yield (APY) and may fluctuate at any time.

Loan information presented on the website of Forward Bank is in accordance with the Federal Reserve’s Truth in Lending Act (12CFR1026). Interest rates displayed for loan products are based on an Annual Percentage Rate (APR) and may fluctuate at any time.

Home Equity Loan Rate Disclosures:

Fixed Rate Home Equity Loan – Normal underwriting guidelines apply. Standard fees at borrower’s expense.

Home Equity Line of Credit – Monthly Payments and Interest Only – The fully indexed Annual Percentage Rate (APR) is based on the Prime rate. “Prime” means the prime rate as published in The Wall Street Journal. The rate may increase or decrease. Appraisal or title insurance, if required, at borrower’s expense. Property insurance is required. Flood insurance may be required. Property must be owner-occupied. Normal underwriting guidelines apply. Non-owner occupied loans are available at 1% higher with maximum of 90% LTV.

Mortgage Loan Rate Disclosures:

15-Year, 20-Year, 30-Year Fixed Rate – Normal underwriting guidelines apply. Borrower pays all closing costs.

Construction Loan – Normal underwriting guidelines apply. Borrower pays all closing costs. Your interest rate cannot change.