ST. CHARLES BANK& TRUST COMPANYNO MATTER WHERE YOU GO, FREE ATMS FOLLOW WITHTOTAL ACCESSCHECKINGA WINTRUST COMMUNITY BANK411 W. Main St. St. Charles, IL 60174630-377-9500 www.bankstcharles.comOnly $100 required to open.Use any ATM nationwide, and we'll refund the fee!LATM Fees. There is no Wintrust Financial Corporation transaction charge at any ATM in the Alpoint, MoneyPassor Sum surcharge-free networks Other banks cutside the network may impose ATM surcharges at their machines.Surcharge fees assessed by owners of other ATMS outside the network will be reimbursedReimbursement does not include the L0% International Service fee chareed for certain MEMBERforejgn transactions conducted outside the continental United StatesFDIC ST. CHARLES BANK & TRUST COMPANY NO MATTER WHERE YOU GO, FREE ATMS FOLLOW WITH TOTAL ACCESS CHECKING A WINTRUST COMMUNITY BANK 411 W. Main St. St. Charles, IL 60174 630-377-9500 www.bankstcharles.com Only $100 required to open. Use any ATM nationwide, and we'll refund the fee! LATM Fees. There is no Wintrust Financial Corporation transaction charge at any ATM in the Alpoint, MoneyPass or Sum surcharge-free networks Other banks cutside the network may impose ATM surcharges at their machines. Surcharge fees assessed by owners of other ATMS outside the network will be reimbursed Reimbursement does not include the L0% International Service fee chareed for certain MEMBER forejgn transactions conducted outside the continental United States FDIC

Date: September 11, 2019

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St. Charles Bank & Trust

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ST. CHARLES BANK & TRUST COMPANY NO MATTER WHERE YOU GO, FREE ATMS FOLLOW WITH TOTAL ACCESS CHECKING A WINTRUST COMMUNITY BANK 411 W. Main St. St. Charles, IL 60174 630-377-9500 www.bankstcharles.com Only $100 required to open. Use any ATM nationwide, and we'll refund the fee! LATM Fees. There is no Wintrust Financial Corporation transaction charge at any ATM in the Alpoint, MoneyPass or Sum surcharge-free networks Other banks cutside the network may impose ATM surcharges at their machines. Surcharge fees assessed by owners of other ATMS outside the network will be reimbursed Reimbursement does not include the L0% International Service fee chareed for certain MEMBER forejgn transactions conducted outside the continental United States FDIC ST. CHARLES BANK & TRUST COMPANY NO MATTER WHERE YOU GO, FREE ATMS FOLLOW WITH TOTAL ACCESS CHECKING A WINTRUST COMMUNITY BANK 411 W. Main St. St. Charles, IL 60174 630-377-9500 www.bankstcharles.com Only $100 required to open. Use any ATM nationwide, and we'll refund the fee! LATM Fees. There is no Wintrust Financial Corporation transaction charge at any ATM in the Alpoint, MoneyPass or Sum surcharge-free networks Other banks cutside the network may impose ATM surcharges at their machines. Surcharge fees assessed by owners of other ATMS outside the network will be reimbursed Reimbursement does not include the L0% International Service fee chareed for certain MEMBER forejgn transactions conducted outside the continental United States FDIC

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