• ¹ - Up to your available balance. Surcharge-free network access provided for customers of Associated Bank and is restricted to U.S. locations. Free access is exclusive to customers using a qualified consumer checking account, savings account or money market account. See www.associatedATM.com for details, including details on surcharge-free network ATMs. Owner of ATM may charge a fee (applies if ATM is not in surcharge-free network).
• ² - Relationship balances include the aggregate average balance of any deposit (including checking, savings, money market or CD accounts) and /or loan balance on the date of the checking account statement (including consumer loans and home equity loans and lines) using an identical customer taxpayer ID number on record. Relationship activity requires five or more electronic transactions (any combination of ACH, bill pay, debit card ATM or online transfers).
• ³ - Overdraft Protection Transfer service links your checking account with any number of your other accounts at Associated: savings account, money market account, credit card, checking Reserve Line of Credit or Home Equity Line of Credit. Loan products are subject to credit approval and involve interest and other costs. While there is no cost to add the Overdraft Protection Transfer service, there is a $15 fee in the event a transfer is needed to cover your overdrafts. Please ask about details on fees, terms and conditions of these products.
• ⁴ - Preferred CD and money market rates require related accounts to be held under identical customer ID number.
• ⁵ - Loan products are subject to credit approval and involve interest and other costs. Please ask about details on fees, terms and conditions of these products.
• ⁶ - ½% discount. Subject to credit approval, excluding first mortgage. May require automatic (ACH) payments from your Associated Bank checking account.
• ⁷ - You must notify us if you wish to use combined deposit account or loan/line balances to avoid monthly maintenance fees. The outstanding loan or line balance on the date of the checking account statement will be used in determining if the combined loan/line balance requirement is satisfied.
• ⁸ - Interest on checking account is paid on the daily collected balance.
• ⁹ - Upon closing the Platinum Advantage Account, applicable minimum balance requirements and maintenance fees will apply.
• ¹⁰ - SECURITIES ARE OFFERED BY ASSOCIATED INVESTMENT SERVICES, INC. ("AIS"), member FINRA (www.finra.org) and SIPC (www.sipc.org), d/b/a Associated Investment Services Group in Minnesota. • Fiduciary, administrative and planning services are provided by Associated Trust Company, NA ("ATC"). Investment management services are provided to ATC by Associated Investment Management, LLC ("AIM"). • Securities offered are NOT deposits or obligations of, insured or guaranteed by Associated Banc-Corp ("AB-C") or any bank or affiliate, are NOT insured by the FDIC or any agency of the United States, and involve INVESTMENT RISK, including POSSIBLE LOSS OF VALUE. • AIS, ATC and AIM are all affiliates of AB-C.
• ¹¹ - Subject to bank approval.
• ¹² - Zero Liability protection does not apply to MasterCard or Visa-branded cards issued to an entity other than a natural person; primarily for business, commercial or agricultural purposes; outside of the U.S. region; or if a PIN is used as the cardholder verification method for the unauthorized
  transaction(s). See your Cardholder Agreement for more details.
  
  Deposit and loan products are offered by Associated Bank, N.A., Member FDIC and Associated Banc-Corp. Equal Housing Lender. Equal Opportunity Lender.
  
  For additional details about our deposit products, please refer to the Deposit Account Information brochure, a current rate sheet and our Consumer Deposit Account Fee schedule, which are available at any Associated Bank location.
  
  MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. Visa and the Visa logo are registered trademarks of Visa International Service Association. American Express and the American Express Travelers Cheque are registered trademarks of American Express Company. Wisconsin Badgers is a registered trademark of the Board of Regents of the University of Wisconsin System. Green Bay Packers is a registered trademark of the Green Bay Packers, Inc. Milwaukee Brewers, Brewers and logos are registered trademarks of Milwaukee Brewers Baseball Club, Inc. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.

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Additional Checking Account Information

Account Availability
All product offerings may not be available in every Associated Bank location. Check with your Associated Banker for current product offerings at your local bank office.

Additional Account-Related Fees
Please see the Consumer Deposit Account Fee schedule for other fees that may apply to your Associated deposit account, including non-sufficient funds, stop payment and other related charges. The Consumer Deposit Account Fee schedule can be obtained at any Associated Bank location.

Interest rates and Annual Percentage Yields (APYs)
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.

Business Use of Personal Accounts
The Bank reserves the right to convert a personal account to a business account when the account is being used for business purposes. Examples include when the printed checks for the account include a "doing business as" (d/b/a) designation or when the deposit being made to the account includes credit card drafts and/or checks made payable to a business. You will receive a notice regarding a conversion of your personal account to a business account.

Inactive Checking Accounts
If there are no customer initiated debit or credit transactions involving the checking account for 90 or more days and the checking balance is less than $500, an account inactivity fee will be charged. See the fee schedule for more details.

Combined Statements
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 1-800-682-4989, 24 hours a day, seven days a week, or use our secure message form.

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