Business/Commercial - Disclosures

Asset-Based Lending

Associated Commercial Finance, Inc. is a wholly-owned subsidiary of Associated Banc-Corp, a publicly traded, diversified, multi-bank holding company with assets of $24 billion and approximately 240 banking offices throughout Wisconsin, Illinois and Minnesota. Equal Opportunity Lender. All financing is subject to credit approval.

International Banking - Wires, Resources

SWIFT is a registered trademark of Society for Worldwide Interbank Financial Telecommunication SCRL.

Securities and Advisory Services

SECURITIES AND ADVISORY SERVICES (OTHER THAN THOSE PROVIDED BY REPRESENTATIVES OF ASSOCIATED FINANCIAL GROUP, LLC) ARE OFFERED BY ASSOCIATED INVESTMENT SERVICES, INC. (“AIS”), member FINRA and SIPC, d/b/a Associated Investment Services Group in Minnesota. • Insurance products are offered by licensed agents of Associated Financial Group, LLC (“AFG”). • Securities and advisory services provided by representatives of AFG are offered through LPL Financial, member FINRA and SIPC. • Investment management services are provided by representatives of AFG through AFG Financial Services. • Fiduciary, administrative and planning services are provided by Associated Trust Company, N.A. (“ATC”). Investment management services are provided to ATC by Kellogg Asset Management, LLC® (“KAM”), an SEC-registered investment adviser. • Securities and insurance products 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. • Advisory services may not be available in all locations. • AIS, AFG, ATC, FRMG and KAM are all affiliates of AB-C. • LPL is NOT an affiliate of AB-C. • Associated Private Client Services and Associated Institutional Trust Services are marketing names AB-C uses for products and services offered by ATC and KAM.

Securities and Insurance Services

SECURITIES AND ADVISORY SERVICES ARE OFFERED BY ASSOCIATED INVESTMENT SERVICES, INC. (“AIS”) member FINRA and SIPC, d/b/a Associated Investment Services Group in Minnesota. Insurance products are offered by licensed agents of Associated Financial Group, LLC (“AFG”). Securities and insurance products 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. Advisory services may not be available in all locations. AIS and AFG are affiliates of AB-C.

Insurance

Insurance products are offered by licensed agents of Associated Financial Group, LLC (“AFG”). Insurance products offered are NOT deposits or obligations of, insured or guaranteed by Associated Banc-Corp (““AB-C””) or any bank or affiliate and are NOT insured by the FDIC or any agency of the United States. AFG is an affiliate of AB-C.

Merchant Services

Associated Merchant Services is a contractual alliance between Associated Bank N.A. (AB) and First Data Merchant Service Corporation.

Contract Administration Services

Contract administration services are provided by Associated Trust Company, N.A. to Associated Bank, N.A. Associated Trust Company, N.A. is an affiliate of Associated Banc-Corp.

Administrative and Planning Services

Fiduciary, administrative and planning services are provided by Associated Trust Company, N.A. (“ATC”). Investment management services are provided to ATC by Kellogg Asset Management, LLC® (“KAM”), an SEC-registered investment adviser. ATC and KAM are affiliates of Associated Banc-Corp.

MasterCard Cards

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

Visa Cards

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

Gift Card

Gift card can be used anywhere MasterCard is accepted in the United States. Gift card cannot be used at automated teller machines (ATMs). A $2.50 purchase fee will be applied to each gift card purchase. Other fees apply. See Terms and Conditions for additional details. MasterCard is a registered trademark of MasterCard International Incorporated. MasterCard Gift Card is issued by MetaBank™, Member FDIC, pursuant to license by MasterCard International Incorporated. Associated Bank, N.A. is not affiliated with MetaBank.

Business Credit Card

*The 0% introductory APR does not apply to Cash Advances and is valid for the first six billing cycles on Purchases and Balance Transfers. Thereafter, the APR may vary, and as of 4/2011, the undiscounted variable APR for Purchases and Balance Transfers is 9.99%–20.99% (depending on your credit history).The variable APR for Purchases and Balance Transfers then in effect will apply to any outstanding balances after the promotional period ends. The Annual Fee for the Business Travel Card is $50. For updated rate information, call 866-951-1389. The variable APR for Cash Advances is 23.99%. Cash Advance Fee: 4%, $10 minimum. Convenience Check Advance Fee: 3%, $5 minimum. Cash Equivalent Fee: 4%, $20 minimum. Balance Transfer fees will apply, which are 3%, $5 minimum. There is a $2 minimum finance charge where interest is due. Foreign Transaction Fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% for foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. The Late Payment Fee is $19 for balances less than $100, $29 for balances between $100–$250, and $39 for balances of $250 and higher.

The creditor, issuer and service provider is Elan Financial Services.

Associated Bank, N.A. is a Member FDIC and Associated Banc-Corp.

Star® Network

Star® Network is a registered trademark of First Data Corporation.

Cirrus®

Cirrus® is a registered trademark of Cirrus System, Inc.

Paychek Plus

Paychek Plus® is a registered trademark of FSV Payment Systems, Inc.

QuickBooks

QuickBooks is a registered trademark of Intuit, Inc.

ATM/Surcharge-Free Networks

Go to associatedbank.com/ATM for details on surcharge-free networks. Owners of ATMs not in the surcharge-free network may charge a fee.

Bank at Work-Direct Advantage® Checking

The Bank at Work-Direct Advantage Checking account requires direct deposit and is available as a result of employment with a sponsoring company that maintains a banking relationship with Associated Bank. Upon halting direct deposit and employment with the sponsoring company, the Direct Advantage account benefits will no longer apply and the account will revert to the then current requirements of Advantage Checking. The establishment of an Associated Bank account is subject to qualification. See additional account disclosures in the Deposit Account Information brochure and the Consumer Deposit Account Fee Schedule.

Online Bill Pay Fee Information

Monthly Service Charge : $6.50 per Associated Connect profile
Per Bill Payment Transaction Fee : $0.65 per bill payment - waived for the first 10 bill payments per month
The Business Checking per-bill payment transaction fee is waived for the first 10 bill payments per month, excluding Free Business Checking. If more than one applicable Business Checking account is used for online bill payment, the per-bill payment transaction fee is waived for the first 10 bill payments per month in the aggregate for the customer.
Note : Any financial fees associated with your standard deposit accounts and Associated Connect® will continue to apply. You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider. Please see the “Failed or Returned Transactions” section of the “Terms and Conditions of the Bill Payment Service For Businesses” for additional fee information.

Additional Disclosure Information Available

Additional disclosures may be found in the Business Interest Rate Sheet and the appropriate Business Account Fee Schedule, available at any Associated Bank.

Business Money Market

**The Business Money Market+ is a tiered variable rate account and requires $1,000 minimum balance to open. Existing Associated Bank Business Money Market must meet the above relationship requirements and add $10,000 in new money to qualify for the Business Money Market+ APY. Accounts that do not continue to maintain the required relationships as outlined above will revert to the bank’s Business Money Market standard tiered variable rate.

Website Links

Website links are provided for your convenience and are not endorsed by Associated Bank.