The following information applies to all Associated Savings and Money Market Accounts:

ADDITIONAL ACCOUNT INFORMATION: All savings and money market interest rates are variable and may change at the bank's discretion. See current Associated Bank deposit account rate sheet for current tiering information. Interest credited and compounded on a monthly basis. For additional details about deposit accounts, please refer to the Deposit Account Information brochure, current Rate Sheet and our Miscellaneous Services Schedule. All of these resources are available at any Associated Bank office.

Inactive Accounts: Inactive Homeowner Advantage Savings or Basic Savings (Preferred or Standard), not used or idle for 12 months or more, with an average monthly balance of $100 or less, will be subject to a $5 monthly inactivity fee regardless of the customer's relationship.

Limitations on all Money Market and Savings Accounts. Federal Reserve Regulation D limits the total number of transfers made by check and telephone, online banking and overdraft protection, as well as preauthorized transfers (including check card purchases, automatic transfers and wire transfers) to six (6) per calendar month for savings and money market accounts not on combined statement, or statement period for savings and money market accounts on a combined statement. A maximum of three (3) of these may be made by check, draft or check card. The bank may impose an excess activity fee of $10 for each transaction exceeding these limitations. There is also a $1 fee for each in-person withdrawal exceeding six per month.