BUSINESS DEPOSIT ACCOUNT DISCLOSURES

For additional details about our deposit products, please refer to the Deposit Account Agreement, a Business Deposit Account Rate Sheet and the applicable business checking product disclosure, which are available at any Associated Bank location. The applicable business checking product disclosure includes all fees that may apply to your Associated Bank deposit account, including non-sufficient funds, stop payment and other related charges. All product offerings may not be available in every Associated Bank location and rates may vary by region. Check with your Associated Banker for current product offerings at your local bank office.

The Following Disclosures Apply to Associated Bank Business Checking Products:

1. Relationship balances include aggregate average balances of any business deposits, business loans and consumer deposits under identical customer profile. Note: Excludes HSA Accounts, Elan/FDR credit cards and AIS Investment Accounts.

2. Associated Bank and MoneyPass® ATM use is free for Associated Bank customers. ATM owners outside of the Associated and MoneyPass networks may charge a fee. Associated Bank may charge a fee for using an out-of-network ATM. Balance inquiry and international fees may apply. Review your account disclosure and fee schedule for more details. MoneyPass is a registered trademark of Fiserv Solutions, LLC or its affiliates.

3. Overdraft Protection Transfer service links your checking account with your other accounts at Associated Bank, including another checking account, savings account, money market account, Business Credit Card, Business Line of Credit Accounts, or Commercial Line of Credit. For more details on fees, transaction limits and terms and conditions of these products, please refer to the applicable Business Checking Product Disclosure and the Business Checking Overdraft Protection Transfer Authorization form.

4. Subject to credit approval. The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

5. Preferred APY requires a qualifying business or commercial checking account under an identical customer ID. If the qualifying checking account is not maintained, the account will be converted to the standard pricing for the applicable product. For current rates, refer to an Associated Bank Deposit Account Rates Sheet or ask a banker for more information.

6. Includes deposits and other credits, items deposited, checks and other debits, Remote Deposit items, and ACH originated debits and credits. Does not include debit card purchases. See applicable business checking product disclosure for details.

7. A free Associated Bank Business Debit Mastercard® may be used to reduce transaction fees, as debit card purchases are not counted in the monthly transaction limit.

Deposit and loan products are offered by Associated Bank, N.A. Loan products are subject to credit approval and involve interest and other costs. Please ask about details on fees and terms and conditions of these products. Relevant insurance coverage, if applicable, will be required on collateral.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Visa and the Visa logo are registered trademarks of Visa International Service Association.

APYs are published on the Associated Bank rate sheet, available at your Associated Bank office. Specific interest rate information on your account will be provided prior to opening an interest-bearing account. Interest rates and APYs on interest-bearing checking are variable, may vary by market and may change at our discretion. Interest is calculated using the daily balance method. This method applies a daily periodic rate to the collected principal balance in the account each day. Interest is compounded and credited based on a 365/366-day year. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Fees applied to your account may affect your earnings. For current rates, contact us or your local banking office.

If your savings and/or money market account(s) are added to a combined statement, the service charge period will be changed to match the primary account for that combined statement. Interest (if applicable) will post at the frequency originally disclosed, based on the cycle date of the lead account. If you combine two or more checking accounts on the same statement, check safekeeping is required on all but the primary statement account. To simplify your life, request a combined statement by calling 800-728-3501, or use our secure message form.