1. ATM Fees. There is no Wintrust Financial Corporation ('WTFC') transaction charge at any ATM in the Allpoint, ATM Access (Town Bank, N.A. Only), MoneyPass, or Sum surcharge free networks. Other banks outside the network may impose ATM surcharges at their machines. Up to 5 surcharge fees assessed by owners of other ATMs outside the network will be reimbursed per statement cycle. Reimbursement does not include the 1.10% International Service fee charged for certain foreign transactions conducted outside the continental United States. 2. Specialty Checks. Restrictions on style and quantity may apply. 3. Account Benefits. Online banking is required to access mobile banking and remote deposit capture. Internet/mobile connectivity is required. Deposits made through mobile banking or remote deposit capture are subject to deposit limits and funds are typically available by next business day. Deposit limits may change at any time. Third-party message and data rates may apply. Other restrictions apply. For more information go to: wintrust.com/agreement-and-disclosure. 4. Personal Finance. Enrollment into Personal Finance via Online Banking is required prior to being able to access it via mobile apps. Personal Finance is not available on iPad. Other restrictions apply. For more information go to: wintrust.com/agreement-and-disclosure.