1. Junior Savers Account Bonus Information. This Junior Savers account bonus offer is valid for new accounts opened January 1, 2022 through December 31, 2022. This Junior Savers account bonus offer is not available to active employees of Wintrust Financial Corporation (‘WTFC’) and its subsidiaries. Multiple Junior Savers accounts opened and titled in the same name, will only qualify for 1 bonus payment. Your new account must be open, in the same product, and have a balance greater than zero to receive the bonus payment. Balance is determined as of the end of each Business Day as the funds currently in your account including deposits and withdrawals made in the Business Day. The $10.00 bonus payment is subject to IRS 1099-INT reporting and may be considered income for tax purposes for the tax year in which the bonus was paid. 2. Junior Savers Bonus Qualifications. (i) Open a new Junior Savers account; (ii) tell us you are aware of this bonus offer at account opening; and (iii) you must be under the age of 22 when you open your new Junior Savers account. After you have completed all the above bonus offer qualifications, we will deposit this bonus payment into your new account within 60 calendar days after account opening. 3. Fees. A maintenance fee of $5.00 will be imposed every calendar month if the balance in the account falls below $200.00 any day of the calendar month once the Junior Saver has reached the age of 22. Transaction limitations will apply. Fees may reduce earnings. 4. Junior Savers Account. At account opening, child(ren) must be accompanied by a parent or guardian and present a valid Social Security number(s). 5. Junior Savers/Teen Banking Club. Membership is for those under the age of 22 with a customer relationship. See a personal banker for more details. A listing of WTFC locations can be found here: www.wintrust.com/locations.