1. Business Savings Advanced Account. Interest rate may change at any time. Fees may reduce earnings.

2. Business Savings Advanced Special. Offer valid for accounts opened on or after 9/29/23, & subject to change at any time & without notice. Annual Percentage Yield ('APY') accurate as of 9/29/23, with qualifying activities. Minimum daily balance of $0.01 required to obtain APY. Offer available to existing or closed savings account customers of Wintrust Financial Corporation ('WTFC') & its subsidiaries or employees. Offer combinable with any WTFC checking offer, but not with a Business Savings deposit bonus offer.

3. Business Savings Advanced  Special Qualifications. (i) Open new Business Savings Advanced account; (ii) mention offer during in-branch account opening; & (iii) deposit new money (money not currently held at any WTFC location) into the new Business Savings Advanced account at account opening.

4. 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 WTFC and its subsidiaries 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.

5. 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.

6. 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.

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

8. Business Online Banking Services. Mobile banking is offered as a service to Wintrust online banking customers. Use of online banking is required for access to mobile/remote banking. Remote deposit requires an established business checking account with the bank. Online banking processing cutoffs remain the same in mobile. Mobile/internet connectivity is required. Third party message, data, and/or internet fees may apply.

9. 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.

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

12. 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.

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