1. Entrepreneur Checking Bonus Information. Offer valid for accounts opened 2/1/24 – 1/29/25. Offer not available to existing or closed business checking account customers of Wintrust Financial Corporation ('WTFC') & its subsidiaries or employees, Political Action Committee, fiduciary, or campaign accounts. Limit 1 bonus payment per customer, regardless of number of accounts opened; may only be received from 1 WTFC location. Offer combinable with any WTFC business savings offer. Bonus payment subject to IRS 1099-INT reporting for sole proprietorships & single member LLCs, & may be considered income for tax purposes.

2. Entrepreneur Checking Account. (i) No monthly maintenance fee or minimum balance requirement if performing fewer than 75 transactions; (ii) $20 monthly maintenance fee if performing 76+ transactions & $1,500 minimum average collected balance not maintained; (iii) $0.40 cost per item for additional transactions over 150.

3. Business Community Checking Bonus Information. Offer valid for accounts opened 2/1/24 – 1/29/25. Offer not available to existing or closed business checking account customers of WTFC & its subsidiaries or employees, Political Action Committee, fiduciary, or campaign accounts. Limit 1 bonus payment per customer, regardless of number of accounts opened; may only be received from 1 WTFC location. Offer combinable with any WTFC business savings offer. Bonus payment subject to IRS 1099-INT reporting for sole proprietorships & single member LLCs, & may be considered income for tax purposes.

4. Business Community Checking Account. $20 monthly maintenance fee if $2,500 minimum average collected balance not maintained. $0.40 cost per item for additional transactions over 250.

5. Additional Token Users. Additional hard token users = $3.50 per user, per month. Additional soft token users = $1.50 per user, per month. Token users required for online ACH origination & wire transfer capabilities.

6. Additional Transaction Fees. $0.40 cost per item for additional transactions over 400.

7. Merchant Processing Services. Available through Elavon.

8. Easy Access Term Loan. Requires company’s primary checking account to be with the bank. Loan fees may apply. Business must be in operation & in business for 12 months or more. Subject to underwriting guidelines. See a personal banker for details.

9. Easy Access Line of Credit. Requires company’s primary checking account to be with the bank. Loan & renewal fees may apply. See the bank for details.

10. SBA Express Loan. Loans must be SBA eligible and are subject to Wintrust and SBA underwriting guidelines. Subject to the U.S. Small Business Administration standard operating procedures at time of approval. Standard closing costs apply. Must have a valid business tax ID number or Social Security number. See the bank for details.

11. SBA 7(a) Loan. Loans must be SBA eligible and are subject to Wintrust and SBA underwriting guidelines. Subject to the U.S. Small Business Administration standard operating procedures at time of approval. Packaging fee of $2,500.00 applies. Third-party expenses paid by the borrower and all fees can be financed.

12. SBA 504 Loan. Loans must be SBA eligible and are subject to Wintrust and SBA underwriting guidelines. Subject to the U.S. Small Business Administration standard operating procedures at time of approval. Third-party expenses incurred by the borrower and all fees can be financed.

13. Entrepreneur Checking Bonus Qualifications. (i) Open new Entrepreneur Checking account; (ii) mention offer during in-branch account opening; (iii) maintain at least $1,500 on each of the last business days for 2 consecutive calendar months after the calendar month the account was opened ('Qualification Period'); (iv) complete 5 qualifying transactions (ACH debit, ACH credit, wire transfer, or debit card transactions) within the Qualification Period; & (v) enroll in business online banking & activate e-statements within the Qualification Period. New account must be open & have a balance greater than $0 to receive bonus payment. Balance determined as of end of each business day as funds currently in the account including deposits & withdrawals made in the business day. For eligible customers, bonus is deposited into the new account within 30 calendar days after the Qualification Period.

14. Business Community Checking Bonus Qualifications. (i) Open new Business Community Checking account; (ii) mention offer during in-branch account opening; (iii) maintain at least $5,000 on each of the last business days for 2 consecutive calendar months after the calendar month the account was opened ('Qualification Period'); (iv) complete 10 qualifying transactions (ACH debit, ACH credit, wire transfer, or debit card transactions) within the Qualification Period; & (v) enroll in business online banking & activate e-statements within the Qualification Period. New account must be open & have a balance greater than $0 to receive bonus payment. Balance determined as of end of each business day as funds currently in the account including deposits & withdrawals made in the business day. For eligible customers, bonus is deposited into the new account within 30 calendar days after the Qualification Period.