1. Entrepreneur Checking Bonus Information. This Entrepreneur Checking account bonus offer is valid for new Entrepreneur Checking accounts opened during the Promotional Period January 1, 2022 through January 31, 2024 that meet the bonus qualifications set forth below. This Entrepreneur Checking account bonus offer is not available to existing or closed checking account customers of Wintrust Financial Corporation and its subsidiaries (“WTFC”) or its active employees. Limit one bonus payment per customer, regardless of the number of accounts opened. If you qualify for this Entrepreneur Checking account bonus payment, you are ineligible to receive this Entrepreneur Checking account bonus payment from any other WTFC location. If you qualify for any other WTFC savings offer it may be combined with this Entrepreneur checking account bonus offer. Your new account must be open, in the same product, and have a balance greater than zero to receive the bonus payment. Balance is determined as of the end of each Business Day as the funds currently in your account including deposits and withdrawals made in the Business Day. If you are a sole proprietorship or a single member LLC, the $300.00 bonus is subject to IRS 1099-INT reporting and may be considered income for tax purposes for the tax year in which the bonus was paid.

2. Entrepreneur Checking Account. Tiered service charge: (i) No monthly maintenance fee or minimum balance requirement if performing fewer than 75 transactions; (ii) $20.00 monthly maintenance fee if performing more than 75 transactions and $1,500.00 minimum average collected balance not maintained.

3. Additional Transaction Fees. $0.40 cost per item for additional transactions.

4. Additional Token Users. Additional hard token users are charged $3.50 per user, per month. Additional soft token users are charged $1.50 per user, per month. Token users are required for online ACH origination and wire transfer capabilities.

5. Business Community Checking Bonus Information. This Business Community Checking account bonus offer is valid for new accounts opened September 29, 2023 through January 31, 2024. This Business Community Checking account bonus offer is not available to existing or closed checking account customers of WTFC and its subsidiaries or its active employees. Limit 1 bonus payment per customer, regardless of the number of accounts opened. If you qualify for this Business Community Checking account bonus offer, you are ineligible to receive this Business Community Checking account bonus offer from any other WTFC location. If you qualify for any other WTFC savings offer it may be combined with this Business Community Checking account bonus offer. Your new account must be open, in the same product, and have a balance greater than zero to receive the bonus payment. Balance is determined as of the end of each Business Day as the funds currently in your account including deposits and withdrawals made in the Business Day. If your business is a sole proprietorship or a single member LLC, the $500.00 bonus payment is subject to IRS 1099-INT reporting and may be considered income for tax purposes for the tax year in which the bonus was paid.

6. Business Community Checking Account. $20.00 monthly maintenance fee if $2,500.00 minimum average collected balance not maintained.

7. Easy Access Term Loan. Requires company’s primary checking account to be with the bank. Loan and renewal fees may apply. Business must be in operation and in business for 12 months or more. Subject to underwriting guidelines. See a personal banker for details.

8. Easy Access Line of Credit. Requires company’s primary checking account to be with the bank. Loan and renewal fees may apply. See the bank for details. Business must be in operation and in business for 12 months or more. Subject to underwriting guidelines. See a personal banker for details.

9. Entrepreneur Checking Bonus Qualifications. To qualify for the bonus payment of $300.00, you must: (i) Open a new Entrepreneur Checking account; (ii) mention this offer during in-branch account opening; (iii) maintain a minimum balance of at least $1,500.00 on each day of the last business day of the two (2) consecutive calendar months following the calendar month the account was opened (“Qualification Period”); (iv) complete five (5) qualifying transactions, defined as ACH debit, ACH credit, wire transfer and debit card transactions, within the Qualification Period; and (v) enroll in business online banking and activate e-statements within the Qualification Period. After you have completed all the above bonus qualifications, we will deposit the $300.00 bonus payment to your new Entrepreneur Checking account within thirty (30) calendar days after the Qualification Period.

10. Business Community Checking Bonus Qualifications. (i) Open a new Business Community Checking account; (ii) mention this offer during in-branch account opening; (iii) maintain a minimum balance of at least $5,000.00 on each day of the last business day of the 2 consecutive calendar months after the calendar month your new account was opened (‘Qualification Period’); (iv) complete 10 qualifying transactions, defined as ACH debit, ACH credit, wire transfer and debit card transactions, within the Qualification Period; and (v) enroll in business online banking and activate e-statements within the Qualification Period. After you have completed all the above bonus qualifications, we will deposit the bonus payment into your new account within 30 calendar days after the Qualification Period.

11. SBA Express Loan. Loans must be SBA eligible and are subject to Wintrust and SBA underwriting guidelines. Business must be at least two years old. Brokered loans and construction loans are excluded. Standard closing costs apply. Must have a valid business tax ID number or Social Security number. Rates are subject to change. See the bank for details.

12. SBA 7(a) Loan. Subject to underwriting guidelines. Subject to the U.S. Small Business Administration standard operating procedures at time of approval. Packaging fee of $5,000.00 applies. Third party expenses paid by the borrower and all fees can be financed.

13. SBA 504 Loan. Subject to underwriting guidelines. Subject to the U.S. Small Business Administration standard operating procedures at time of approval. Third party expenses paid by the borrower and all fees can be financed.

A listing of WTFC locations can be found here: wintrust.com/locations.