NO MATTER WHERE YOU GO, FREE ATMS FOLLOW WITHTOTAL ACCESSCHECKINGST. CHARLES BANK& TRUST COMPANY.AWINTRUST 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 Allpoint, MoneyPasor Sum surcharge-free networks. Other banks outside the network may impose ATM surcharges at their machines.Reimbursement does not include the L10% International Service fee charged for certain MERFDICforeign transactions conducted outside the continental United StatesLENDER NO MATTER WHERE YOU GO, FREE ATMS FOLLOW WITH TOTAL ACCESS CHECKING ST. CHARLES BANK & TRUST COMPANY. AWINTRUST 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 Allpoint, MoneyPas or Sum surcharge-free networks. Other banks outside the network may impose ATM surcharges at their machines. Reimbursement does not include the L10% International Service fee charged for certain MER FDIC foreign transactions conducted outside the continental United States LENDER

Date: May 20, 2020

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NO MATTER WHERE YOU GO, FREE ATMS FOLLOW WITH TOTAL ACCESS CHECKING ST. CHARLES BANK & TRUST COMPANY. AWINTRUST 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 Allpoint, MoneyPas or Sum surcharge-free networks. Other banks outside the network may impose ATM surcharges at their machines. Reimbursement does not include the L10% International Service fee charged for certain MER FDIC foreign transactions conducted outside the continental United States LENDER NO MATTER WHERE YOU GO, FREE ATMS FOLLOW WITH TOTAL ACCESS CHECKING ST. CHARLES BANK & TRUST COMPANY. AWINTRUST 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 Allpoint, MoneyPas or Sum surcharge-free networks. Other banks outside the network may impose ATM surcharges at their machines. Reimbursement does not include the L10% International Service fee charged for certain MER FDIC foreign transactions conducted outside the continental United States LENDER

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