Deposit Account Disclosure and Bank Fee Schedule

BMO Harris Bank BMO Harris Smart MoneyTM Account PAGE 1 of 3

BMO Harris Smart MoneyTM Account Deposit Account Disclosure and Bank Fee Schedule

This Deposit Account Disclosure and Bank Fee Schedule and the Deposit Account Agreement for Personal and Business Accounts (“Agreement”) are part of the Deposit Account Agreement that governs your Account and you should read them. Capitalized terms not defined in this disclosure are defined in the Glossary of the Agreement.

Account opening and usage

Minimum deposit $25 needed to open Account

Monthly maintenance We charge this fee on the last day of the statement period. This fee is waived if the Primary Account $5 fee and waivers Owner is under 25 years of age on the day the fee is to be assessed.

Pays interest No

BMO Harris ATMs and For deposits, withdrawals, transfers or balance inquiries. All transactions may not be available at all Free Participating ATMs BMO Harris ATMs or at Participating ATMs.

Non-BMO Harris ATM We charge this fee for each Non-BMO Harris ATM Transaction. $3 Transactions The ATM operator or network may also charge you a surcharge fee for a transaction or balance inquiry.

Stop payment fee $35 Per request or renewal.

$2 for paper statements We will send you statements monthly. Statements Or We will charge you a $2 paper statement fee each statement period unless you opt to go paperless through your BMO Digital Banking preferences. The fee will appear as “PAPER STMT FEE” on your $0 for paperless statement. statements

$3 with paper statements We will send you Check Images with your statement if you request them. We will charge you a $3 fee for this service each statement period even if there are no Check Images for that period unless you opt Check Images Or to go paperless through your BMO Digital Banking preferences. This fee will appear as “IMAGE STMT $0 with paperless SURCHARGE” on your statement. statements

Check orders The price for check orders varies by check style.

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Processing policies and dispute resolution

We post transactions in the following order at the end of each Business Day (Monday – Friday except federal holidays): 1. Deposits and other credits received prior to the cut-off times. 2. ATM withdrawals and certain other debits. Posting order 3. POS transactions using your Card. (the order in which Items 4. ACH transactions. are credited or debited) 5. Checks. 6. Bank generated transactions, including fees, interest and surcharge rebates.

For more details and to read an example, see Section 2.C of the Agreement.

Immediate availability Cash deposited into this Account.

Same day availability Wire transfers and Direct Deposits into this Account.

Funds availability Next day availability Checks deposited into this Account. summary This represents our general policy but longer delays may apply. For specific details, including when Items are considered received, see the Funds Availability Policy for Deposit Accounts in Section 8 of the Agreement. For Mobile Deposits, if we receive the image of an Item for deposit on or before 7:00 p.m. Central Time on a Business Day, that day will be the day of deposit. Otherwise, the next Business Day will be the day of deposit. The first $500 of the deposit will be available one (1) Business Day after the day of the deposit. The remainder will be available two (2) Business Days after the day of the deposit.

Dispute resolution This Account is subject to the arbitration provision set forth in Section 7.EE of the Agreement.

Insufficient Funds and Overdrafts

Your Account is overdrawn if it has a negative balance because the available funds in your Account are less than the amount of the Item(s) presented for payment. The Account balance that we use to determine if your Account is overdrawn includes all Items (including bank fees and service charges) that are posted to your Account on the same Business Day whether the Items are paid or returned. Refer to Section 2.C of the Agreement for information on when Items post to your Account. We will return as unpaid the following Items that overdraw this Account: Checks, automatic bill payments and other transactions made using this Account number, and you will not be charged a fee. We will decline ATM and everyday debit Card transactions that may overdraw this Account. There are some Items we are unable to return. If we are unable to return an Item that overdraws your Account, we will use our discretion to pay it and you will not be charged a fee.

Optional Overdraft Protection Services New Optional Overdraft Protection Services cannot be added to your BMO Harris Smart MoneyTM Account after 6/12/21

Money is transferred automatically from your linked BMO Harris savings, money market or other checking Account. Transfers Overdraft Funding are subject to funds availability and transfer limitations. You must speak with your BMO Harris Banker to enroll in this service.

Overdraft Protection Line In the event of an overdraft, your line of credit will be accessed automatically up to your available credit limit. You must apply of Credit and be approved for the Overdraft Protection Line of Credit.

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Bank Fee Schedule Read the Deposit Account Disclosure for additional fees and fee waivers that may apply to your Account. Some services are not available at all locations.

Account Benefits Collection Items (Bond, Note, Sight Draft, Check) BMO Digital Banking Free1 Coupon Collection $10.00 per envelope

BMO Harris ATM and Debit Card Free Domestic Collection $15.00 + cost6

BMO Harris ATM Mini-Statement Free Foreign Collection $45.00 + cost6 BMO Harris ATM Transactions Free Statement and Account Servicing BMO Harris Bank by Phone® Free Account Activity Printout $5.00

Free (excludes expedited $40.00 per hour, BMO Harris Bill Pay® Account Balancing / Research payments) $15.00 minimum

BMO Harris Total Look® Free Duplicate Statement $5.00 First three Checks are free; Combined Statement Free Photocopies of Canceled Checks $5.00 for each additional Debit or ATM Card Point-of-Sale (POS) Free Miscellaneous Transactions

Participating ATMs in the U.S. Free2 Deposited Item Returned7 $12.00 Special Letter Wire Transfer — Incoming Free $10.00 (Immigration, Verification of Deposit, etc.) Payments and Transfers Verification of Deposit Form from Third Party $5.00 BMO Harris Bill Pay® – Expedited Payment Up to $15.00 Legal Document Processing $10.00 per transfer; Citations, Garnishments, Levies and Other Overdraft Funding Transfer Fee3 maximum one transfer fee Up to $100.00 Court Orders per Business Day

Wire Transfer — Outgoing Domestic4 $30.00 Retrieval Fee for Legal Documents in Storage Up to $50.00 Wire Transfer — Outgoing International4 $50.00 Non-Customer Check Cashing Cashing a Check of $50 or more Drawn on ATM and Debit Card $10.00 per Check BMO Harris

Debit or ATM Card Expedited Delivery $30.00 1 Message and data rates may apply. Contact your wireless carrier for details. Debit or ATM Card Replacement $5.00 2 F oreign Transaction Fees will apply at BMO branded ATMs and Allpoint® ATMs located outside of the United States. 2.8% of the transaction 3 Foreign Transaction Fee2,5 Only applicable to checking and money market checking accounts. amount 4 This fee does not apply to CDs and IRAs. Checks, Money Orders and Gift Cards 5 T his fee will apply to any transaction initiated in a foreign country whether initiated by the Cardholder while traveling or by a foreign merchant for a purchase BMO Harris Gift Card $4.00 a Cardholder makes remotely from the United States, whether or not a currency conversion is required. If a currency conversion is required, a Currency Conversion Cashier’s Check $10.00 Assessment will be included in the U.S. dollar transaction amount. See the Varies by account type Deposit Account Agreement - Section 9.A.4 for details. Deluxe® Check Orders and style 6 C ost may include additional correspondent bank fees, collecting bank fees, communication fees, messenger fees and any other costs incurred. Money Order ($1,000 maximum) $5.00 7 Includes Items deposited by any method, including with a BMO Harris Teller or Customer Service Representative, by mail, depository or BMO Harris ATM.

BMO Harris Smart AdvantageTM Account Deposit Account Disclosure and Bank Fee Schedule

Account opening and usage

Minimum deposit $25 needed to open Account

Monthly maintenance $0 No monthly maintenance fee. fee

Pays interest No

BMO Harris ATMs and For deposits, withdrawals, transfers or balance inquiries. All transactions may not be available at all BMO Free Participating ATMs Harris ATMs or at Participating ATMs.

Non-BMO Harris ATM We charge this fee for each Non-BMO Harris ATM Transaction. $3 Transactions The ATM operator or network may also charge you a surcharge fee for a transaction or balance inquiry.

Stop payment fee $35 Per request or renewal.

Account closing fee $50 If closed within 90 days of Account opening.

$3 with paper statements We will send you Check Images with your statement if you request them. We will charge you a $3 fee Or for this service each statement period even if there are no Check Images for that period unless you opt Check Images $0 with to go paperless through your BMO Digital Banking preferences. This fee will appear as “IMAGE STMT paperless SURCHARGE” on your statement. statements

Check orders The price for check orders varies by check style.

Processing policies and dispute resolution

Posting order We post transactions in the following order at the end of each Business Day (Monday – Friday except federal holidays): (the order in which Items 1. Deposits and other credits received prior to the cut-off times. are credited or debited) 2. ATM withdrawals and certain other debits. 3. POS transactions using your Card. 4. ACH transactions. 5. Checks. 6. Bank generated transactions, including fees, interest and surcharge rebates. For more details and to read an example, see Section 2.C of the Agreement.

Funds availability Immediate availability Cash deposited into this Account. summary Same day availability Wire transfers and Direct Deposits into this Account.

Next day availability Checks deposited into this Account.

This represents our general policy but longer delays may apply. For specific details, including when Items are considered received, see the Funds Availability Policy for Deposit Accounts in Section 8 of the Agreement. For Mobile Deposits, if we receive the image of an Item for deposit on or before 7:00 p.m. Central Time on a Business Day, that day will be the day of deposit. Otherwise, the next Business Day will be the day of deposit. The first $500 of the deposit will be available one (1) Business Day after the day of the deposit. The remainder will be available two (2) Business Days after the day of the deposit.

Dispute resolution This Account is subject to the arbitration provision set forth in Section 7.EE of the Agreement.

Insufficient Funds and Overdrafts

Your Account is overdrawn if it has a negative balance because the available funds in your Account are less than the amount of the Item(s) presented for payment. The Account balance that we use to determine if your Account is overdrawn includes all Items (including bank fees and service charges) that are posted to your Account on the same Business Day whether the Items are paid or returned. Refer to Section 2.C of the Agreement for information on when Items post to your Account. At our discretion, we may pay or return the following Items that overdraw this Account: Checks, automatic bill payments and other transactions made using this Account number. We will decline ATM and everyday debit Card transactions that may overdraw this Account unless you select the Overdraft Program for ATM and Everyday Debit Card Transactions described below. The following are fees that may be charged if you do not have sufficient available funds in your Account.

You will be charged an Overdraft Fee for each Item we pay (regardless of the amount of $36 per Item the Item) when your Account is overdrawn more than $5 after all Items are posted to the (No more than four Overdraft Fees Account. An Overdraft Fee is not charged if your Account is overdrawn by $5 or less after all Overdraft Fee and/or Item Returned Fees will be the Items are posted to the Account. This fee does not apply to ATM and everyday debit Card charged per Business Day) transactions unless you have authorized us to pay these types of transactions. We do not charge an Overdraft Fee for bank fees and service charges that overdraw your Account.

You will be charged a Consecutive Day Overdraft Fee for each Business Day your Account $7 per Business Day Consecutive Day is overdrawn in any amount after your Account is overdrawn for five consecutive Business (Maximum 10 for each occasion your Overdraft Fee Days. You will be charged this fee even if your Account is only overdrawn due to bank fees Account remains overdrawn) and service charges.

$36 per Item You will be charged an Item Returned Fee (NSF) each time we return an Item unpaid Item Returned (No more than four Overdraft Fees because your Account does not have sufficient available funds to pay the Item. This fee does Fee (NSF) and/or Item Returned Fees will be not apply to declined ATM and everyday debit Card transactions. charged per Business Day)

Optional Overdraft Protection Services

These are optional services that may be less expensive than overdraft and item returned fees.

Overdrafts for ATM and Everyday Debit Card Transactions

You’re able to select how you would like BMO Harris to handle everyday transactions involving your ATM or debit Card — including point-of-sale and ATM transactions — when you don’t have sufficient available funds in your Account. Regardless of the option you choose for BMO Harris to handle ATM and everyday debit Card transactions, you may still want to sign up for Overdraft Funding or apply for an Overdraft Protection Line of Credit. Learn more at bmoharris.com/overdraft.

If you do not opt-in, BMO Harris will automatically decline any ATM and everyday debit Card No overdraft coverage transaction that would overdraw this Account. Because these transactions will be declined, $0 (Default) no Overdraft Fee, Consecutive Day Overdraft Fee or Item Returned Fee (NSF) will apply to these transactions.

$36 Overdraft Fee per Item; No more than four By opting into this program, you authorize us to use our discretion to pay ATM and Overdraft Fees and/or everyday debit Card transactions that would overdraw this Account. Item Returned Fees will be Opt-in (Overdraft Program charged per Business Day If you do opt-in, and we use our discretion to pay those transactions, the Overdraft Fee and for ATM and Everyday Consecutive Day Overdraft Fee, described above, will apply to the transactions. Debit Card Transactions) $7 Consecutive Day Overdraft Fee per Business You can opt-in to the Overdraft Program for ATM and Everyday Debit Card Transactions — or Day; maximum 10 for each revoke your election — by speaking with your BMO Harris Banker, calling 1-888-340-2265, or occasion your Account by logging in to your account at bmoharris.com and modifying your overdraft preferences. remains overdrawn

Bank Fee Schedule Read the Deposit Account Disclosure for additional fees and fee waivers that may apply to your Account. Some services are not available at all locations.

Account Benefits Collection Items (Bond, Note, Sight Draft, Check) BMO Digital Banking Free1 Coupon Collection $10.00 per envelope BMO Harris ATM and Debit Card Free Domestic Collection $15.00 + cost6 BMO Harris ATM Mini-Statement Free Foreign Collection $45.00 + cost6 BMO Harris ATM Transactions Free Statement and Account Servicing BMO Harris Bank by Phone® Free Account Activity Printout $5.00 Free (excludes expedited Account Balancing / Research $40.00 per hour, BMO Harris Bill Pay® payments) $15.00 minimum BMO Harris Total Look® Free Duplicate Statement $5.00 Photocopies of Canceled Checks First three Checks are free; Combined Statement Free $5.00 for each additional Debit or ATM Card Point-of-Sale (POS) Free Miscellaneous Transactions Participating ATMs in the U.S. Free2 Deposited Item Returned7 $12.00 Special Letter $10.00 Wire Transfer — Incoming Free (Immigration, Verification of Deposit, etc.) Payments and Transfers Verification of Deposit Form from Third Party $5.00 BMO Harris Bill Pay® – Expedited Payment Up to $15.00 Legal Document Processing $10.00 per transfer; Citations, Garnishments, Levies and Other Up to $100.00 Overdraft Funding Transfer Fee3 maximum one transfer fee Court Orders per Business Day Wire Transfer — Outgoing Domestic4 $30.00 Retrieval Fee for Legal Documents in Storage Up to $50.00 Wire Transfer — Outgoing International4 $50.00 Non-Customer Check Cashing ATM and Debit Card Cashing a Check of $50 or more Drawn $10.00 per Check on BMO Harris Debit or ATM Card Expedited Delivery $30.00 1 Message and data rates may apply. Contact your wireless carrier for details. 2 ® Debit or ATM Card Replacement $5.00 Foreign Transaction Fees will apply at BMO branded ATMs and Allpoint ATMs located outside of the United States. 2.8% of the transaction 3 Foreign Transaction Fee2,5 Only applicable to checking and money market checking accounts. amount 4 This fee does not apply to CDs and IRAs. Checks, Money Orders and Gift Cards 5 This fee will apply to any transaction initiated in a foreign country whether initiated by the Cardholder while traveling or by a foreign merchant for a BMO Harris Gift Card $4.00 purchase a Cardholder makes remotely from the United States, whether or Cashier’s Check $10.00 not a currency conversion is required. If a currency conversion is required, a Currency Conversion Assessment will be included in the U.S. dollar transaction Varies by account type amount. See the Deposit Account Agreement – Section 9.A.4 for details. Deluxe® Check Orders and style 6 Cost may include additional correspondent bank fees, collecting bank fees, communication fees, messenger fees and any other costs incurred. Money Order ($1,000 maximum) $5.00 7 Includes Items deposited by any method, including with a BMO Harris Teller or Customer Service Representative, by mail, depository or BMO Harris ATM.

BMO Harris PremierTM Account Deposit Account Disclosure and Bank Fee Schedule

This Deposit Account Disclosure and Bank Fee Schedule, the separate Interest Rate Sheet and the Deposit Account Agreement for Personal and Business Accounts (“Agreement”) are part of the Deposit Account Agreement that governs your Account and you should read them. Capitalized terms not defined in this disclosure are defined in the Glossary of the Agreement.

Account opening and usage

Minimum deposit $25 needed to open Account

Temporary waiver: The monthly maintenance fee will be waived for the first two full calendar months after Account opening or when your Account type is changed to a Premier Account. Beginning in the third month, we charge this fee on the last day of the statement period if you do not meet ANY ONE of the waiver requirements listed below: Monthly maintenance A. The minimum daily Ledger Balance in this Account is $10,000 or more for the previous calendar month. $25 fee and waivers B. You have met the $25,000 Monthly Combined Balance for the previous calendar month. C. You have a relationship with BMO Investment Services (BIS) through which you maintain an investment account through LPL Financial LLC (LPL) and have requested the waiver from your BMO Harris Banker.1 D. You are a client of our employee benefits program, Best of BMO U.S., and have requested the waiver from your BMO Harris Banker.

This is a variable rate Account where interest rates and annual percentage yields may change. At our discretion, we may change the interest rate on this Account daily. The interest rate corresponding to the highest tier into which your Collected Balance falls will be paid on the entire Collected Balance. Interest will be compounded daily on the Collected Balance and credited to this Account monthly on the statement period date. Pays interest Yes2 The tiers are as follows: $0.01 – $4,999.99 $25,000 – $49,999.99 $250,000 – $499,999.99 $5,000 – $9,999.99 $50,000 – $99,999.99 $500,000 – $999,999.99 $10,000 – $24,999.99 $100,000 – $249,999.99 $1,000,000 or more For current interest rates, ask your BMO Harris Banker for a current Interest Rate Sheet or call 1-888-340-2265.

BMO Harris ATMs and For deposits, withdrawals, transfers or balance inquiries. All transactions may not be available at all BMO Harris Free Participating ATMs ATMs or at Participating ATMs.

Non-BMO Harris ATM No BMO Harris fee; however, the ATM operator or network may charge you a surcharge fee for a transaction or Free Transactions balance inquiry.

Non-BMO Harris ATM We will rebate up to $25 in ATM surcharge fees assessed by the ATM operator or network each statement period. surcharge fee rebate

Stop payment fee $35 Per request or renewal.

Account closing fee $50 If closed within 90 days of Account opening.

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Account opening and usage (continued)

We will send you statements with Check Images monthly. Contact us to request Check Images if you are not currently Statements receiving them.

When you order checks through us you will receive: • Free wallet safety paper and Hubert-style checks. Check orders • Discount on duplicate safety paper checks. • 50% discount on certain check styles.

• Purchase fees are waived for cashier’s checks and money orders. Other fee waivers • Overdraft Funding Transfer Fees are waived for transfers into this Account.

1 The Account Owner must also have a relationship with BIS. BIS is a brand name used by certain employees of BMO Harris Bank N.A. that provide advisory, brokerage, and insurance services offered through LPL Financial (LPL). These certain employees use the title Financial Advisor and are investment advisor representatives of, and offer securities and advisory services through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. BMO Harris Bank N.A. and BIS are not registered as a broker-dealer or investment advisor. Financial Advisors of LPL offer products and services using BIS, and may also be employees of BMO Harris Bank N.A. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, BMO Harris Bank N.A. or BIS. Securities and insurance offered through LPL or its affiliates are:

Not Insured by FDIC or Any Other Government Agency | Not Bank Guaranteed | Not Bank Deposits or Obligations | May Lose Value

2 We use the Daily Balance Method to calculate the interest on this Account. This method applies a Daily Rate to the Collected Balance in this Account each day. Interest begins to accrue no later than the Business Day we receive credit for non-cash deposits (for example checks regardless of how they are deposited). For cash and electronic deposits, interest begins to accrue on the Business Day of the deposit. We reserve the right not to pay interest on any deposited Item that is returned to us as unpaid.

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Relationship Package Benefits

To reward our customers for their financial progress, the BMO Harris Premier Account provides the following Relationship Package benefits:

Relationship Package3

Qualification/Benefit: Premier Silver Premier Gold Premier Platinum Premier Platinum Elite

Quarterly Combined Balance <$25,000 $25,000 – $100,000 – $249,999.99 $250,000+ $99,999.99

Premier Money Market4 N/A Higher interest rates may be available

Overdraft Fee rebate5 N/A N/A N/A 1 fee per month

NSF Fee rebate5 N/A N/A N/A 1 fee per month

Outgoing Wire Transfer Fee (domestic and N/A Up to $30 per Up to $60 per month Up to $90 per month international) rebate5 month

Additional benefits Special credit card, mortgage and other lending product benefits may be available. For current benefits visit bmoharris.com/main/personal/checking-accounts/premier-account

3 Access to the benefits and Relationship Package Placement: To access the benefits in a particular Relationship Package, you must have a BMO Harris Premier Account. Each Premier Account is placed in its own Relationship Package based on the Quarterly Combined Balance. Benefits begin when the Premier Account is placed in a Relationship Package and continue through the calendar quarter, regardless of any change in Account balances. A Premier Account is placed in a Relationship Package on the first calendar day of the month after the Account opening (or the account type change) occurs. Your Relationship Package may change on the first day of each subsequent calendar quarter (January 1, April 1, July 1, and October 1) when the Quarterly Combined Balance is recalculated for quarterly placement (“Quarterly Placement”). You will receive a welcome communication with the first Relationship Package placement and a quarterly communication with each subsequent Quarterly Placement.

Quarterly Placement Months included in the Quarterly Combined Balance

January 1 October, November, December

April 1 January, February, March

July 1 April, May, June

October 1 July, August, September

4 Premier Money Market: We may offer higher variable interest rates based on a Relationship Package. For current interest rates, ask your BMO Harris Banker for a current Interest Rate Sheet or call 1-888-340-2265. Interest rates earned on the Premier Money Market are based on Relationship Package placement. If the Account Owners’ Premier Accounts (checking) are placed in different Relationship Packages, the best Relationship Package will determine the interest rates earned on the Premier Money Market Account. Initially, the Premier Money Market Account earns standard interest rates. The Premier Money Market Account earns Relationship Package interest rates beginning on the first Business Day of the month after the Account opening (or the account type change) occurs through the end of the calendar quarter. At each Quarterly Placement, the Premier Money Market Account earns Relationship Package interest rates beginning on the first Business Day of the calendar quarter through the end of the calendar quarter. 5 Fee rebates for Overdraft, NSF, and Outgoing Wire Transfer Fee: Premier Account fee rebates are based on the Relationship Package assigned to your Premier Account when the fee is assessed. Rebates will post to your Premier Account by the third Business Day of the following month (e.g., a fee assessed in February will be rebated on the third Business Day in March). If you change your Account type and a fee was assessed while the Account was a Premier Account, you will still receive a rebate. If you close your Account and a fee was assessed while the Account was a Premier Account, you will not receive a rebate.

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Processing policies and dispute resolution

For more details and to read an example, see Section 2.C of the Agreement.

Immediate availability Cash deposited into this Account.

Same day availability Wire transfers and Direct Deposits into this Account.

Funds availability Next day availability Checks deposited into this Account. summary This represents our general policy but longer delays may apply. For specific details, including when Items are considered received, see the Funds Availability Policy for Deposit Accounts in Section 8 of the Agreement. For Mobile Deposits, if we receive the image of an Item for deposit on or before 7:00 p.m. Central Time on a Business Day, that day will be the day of deposit. Otherwise, the next Business Day will be the day of deposit. The first $500 of the deposit will be available one (1) Business Day after the day of deposit. The remainder will be available two (2) Business Days after the day of deposit.

Dispute resolution This Account is subject to the arbitration provision set forth in Section 7.EE of the Agreement.

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Insufficient Funds and Overdrafts

Your Account is overdrawn if it has a negative balance because the available funds in your Account are less than the amount of the Item(s) presented for payment. The Account balance that we use to determine if your Account is overdrawn includes all Items (including bank fees and service charges) that are posted to your Account on the same Business Day whether the Items are paid or returned. Refer to Section 2.C of the Agreement for information on when Items post to your Account. At our discretion, we may pay or return the following Items that overdraw this Account: Checks, automatic bill payments and other transactions made using this Account number. We will decline ATM and everyday debit Card transactions that may overdraw this Account unless you select the Overdraft Program for ATM and Everyday Debit Card Transactions described below. The following are fees that may be charged if you do not have sufficient available funds in your Account.

You will be charged an Overdraft Fee for each Item we pay (regardless of the amount of $36 per Item the Item) when your Account is overdrawn more than $5 after all Items are posted to the (No more than four Account. An Overdraft Fee is not charged if your Account is overdrawn by $5 or less after all Overdraft Fee Overdraft Fees and/or the Items are posted to the Account. This fee does not apply to ATM and everyday debit Card Item Returned Fees will be transactions unless you have authorized us to pay these types of transactions. We do not charged per Business Day) charge an Overdraft Fee for bank fees and service charges that overdraw your Account.

$7 per Business Day You will be charged a Consecutive Day Overdraft Fee for each Business Day your Account is Consecutive Day (Maximum 10 for each overdrawn in any amount after your Account is overdrawn for five consecutive Business Days. You Overdraft Fee occasion your Account will be charged this fee even if your Account is only overdrawn due to bank fees and service charges. remains overdrawn)

$36 per Item (No more than four You will be charged an Item Returned Fee (NSF) each time we return an Item unpaid because Item Returned Fee (NSF) Overdraft Fees and/or your Account does not have sufficient available funds to pay the Item. This fee does not apply Item Returned Fees will be to declined ATM and everyday debit Card transactions. charged per Business Day)

Optional Overdraft Protection Services

These are optional services that may be less expensive than overdraft and item returned fees.

Money is transferred automatically from your linked BMO Harris savings, money market or other checking Account. Transfers are subject to funds availability and transfer limitations. The Overdraft Funding Transfer Fee is waived for this Account, but the Overdraft Funding insufficient funds and overdraft fees may still apply. You must speak with your BMO Harris Banker to enroll in this service. For details and fee information, visit bmoharris.com/overdraft.

Overdraft Protection In the event of an overdraft, your line of credit will be accessed automatically up to your available credit limit. You must apply Line of Credit and be approved for the Overdraft Protection Line of Credit. For details and fee information, visit bmoharris.com/overdraft.

Overdrafts for ATM and Everyday Debit Card Transactions

If you do not opt-in, BMO Harris will automatically decline any ATM and everyday debit Card No overdraft coverage transaction that would overdraw this Account. Because these transactions will be declined, no $0 (Default) Overdraft Fee, Consecutive Day Overdraft Fee or Item Returned Fee (NSF) will apply to these transactions.

$36 Overdraft Fee per Item; No more than four Overdraft By opting into this program, you authorize us to use our discretion to pay ATM and everyday Fees and/or Item Returned debit Card transactions that would overdraw this Account. Fees will be charged per Opt-in (Overdraft Program Business Day If you do opt-in, and we use our discretion to pay those transactions, the Overdraft Fee and for ATM and Everyday Debit Consecutive Day Overdraft Fee, described above, will apply to the transactions. Card Transactions) $7 Consecutive Day Overdraft Fee per Business You can opt-in to the Overdraft Program for ATM and Everyday Debit Card Transactions — or Day; maximum 10 for each revoke your election — by speaking with your BMO Harris Banker, calling 1-888-340-2265, or occasion your Account by logging in to your account at bmoharris.com and modifying your overdraft preferences. remains overdrawn

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Bank Fee Schedule Read the Deposit Account Disclosure for additional fees and fee waivers that may apply to your Account. Some services are not available at all locations.

Account Benefits Collection Items (Bond, Note, Sight Draft, Check) BMO Digital Banking Free6 Coupon Collection $10.00 per envelope BMO Harris ATM and Debit Card Free Domestic Collection $15.00 + cost11 BMO Harris ATM Mini-Statement Free Foreign Collection $45.00 + cost11 BMO Harris ATM Transactions Free Statement and Account Servicing BMO Harris Bank by Phone® Free Account Activity Printout $5.00 Free (excludes expedited Account Balancing / Research $40.00 per hour, BMO Harris Bill Pay® payments) $15.00 minimum BMO Harris Total Look® Free Duplicate Statement $5.00 Photocopies of Canceled Checks First three Checks are free; Combined Statement Free $5.00 for each additional Debit or ATM Card Point-of-Sale (POS) Free Miscellaneous Transactions Participating ATMs in the U.S. Free7 Deposited Item Returned12 $12.00 Special Letter $10.00 Wire Transfer – Incoming Free (Immigration, Verification of Deposit, etc.) Payments and Transfers Verification of Deposit Form from Third Party $5.00 BMO Harris Bill Pay® – Expedited Payment Up to $15.00 Legal Document Processing $10.00 per transfer; Citations, Garnishments, Levies and Other Up to $100.00 Overdraft Funding Transfer Fee8 maximum one transfer fee Court Orders per Business Day Wire Transfer – Outgoing Domestic9 $30.00 Retrieval Fee for Legal Documents in Storage Up to $50.00 Wire Transfer – Outgoing International9 $50.00 Non-Customer Check Cashing Cashing a Check of $50 or more Drawn $10.00 per Check ATM and Debit Card on BMO Harris Debit or ATM Card Expedited Delivery $30.00 6 Message and data rates may apply. Contact your wireless carrier for details. 7 ® Debit or ATM Card Replacement $5.00 Foreign Transaction Fees will apply at BMO branded ATMs and Allpoint ATMs located outside of the United States. 2.8% of the transaction 8 Foreign Transaction Fee7, 10 Only applicable to checking and money market checking accounts. amount 9 This fee does not apply to CDs and IRAs. Checks, Money Orders and Gift Cards 10 This fee will apply to any transaction initiated in a foreign country whether initiated by the Cardholder while traveling or by a foreign merchant for a BMO Harris Gift Card $4.00 purchase a Cardholder makes remotely from the United States, whether or Cashier’s Check $10.00 not a currency conversion is required. If a currency conversion is required, a Currency Conversion Assessment will be included in the U.S. dollar transaction Varies by account type amount. See the Deposit Account Agreement - Section 9.A.4 for details. Deluxe® Check Orders and style 11 Cost may include additional correspondent bank fees, collecting bank fees, communication fees, messenger fees and any other costs incurred. Money Order ($1,000 maximum) $5.00 12 Includes Items deposited by any method, including with a BMO Harris Teller or Customer Service Representative, by mail, depository or BMO Harris ATM.

Statement Savings Deposit Account Disclosure and Bank Fee Schedule

Account opening and usage

Minimum deposit $25 needed to open Account

Monthly $0 No monthly maintenance fee. maintenance fee

Pays interest Yes1 This is a variable rate Account where interest rates and annual percentage yields may change. At our discretion, we may change the interest rate on this Account daily. The interest rate corresponding to the highest tier into which your Collected Balance falls will be paid on the entire Collected Balance. Interest will be compounded daily on the Collected Balance and credited to this Account quarterly on the last calendar day of the quarter. The tiers are as follows: $0.01 – $4,999.99 $25,000 – $49,999.99 $250,000 – $499,999.99 $5,000 – $9,999.99 $50,000 – $99,999.99 $500,000 – $999,999.99 $10,000 – $24,999.99 $100,000 – $249,999.99 $1,000,000 or more For current interest rates, ask your BMO Harris Banker for a current Interest Rate Sheet or call 1-888-340-2265.

BMO Harris ATMs and Free For deposits, withdrawals, transfers or balance inquiries. All transactions may not be available at all BMO Harris Participating ATMs ATMs or at Participating ATMs.

Non-BMO Harris $3 We charge this fee for each Non-BMO Harris ATM Transaction. ATM Transactions The ATM operator or network may also charge you a surcharge fee for a transaction or balance inquiry.

Account closing fee $50 If closed within 90 days of Account opening.

Statements We will send you statements quarterly.

1 We use the Daily Balance Method to calculate the interest on this Account. This method applies a Daily Rate to the Collected Balance in this Account each day. Interest begins to accrue no later than the Business Day we receive credit for non-cash deposits (for example checks regardless of how they are deposited). For cash and electronic deposits, interest begins to accrue on the Business Day of the deposit. We reserve the right not to pay interest on any deposited Item that is returned to us as unpaid.

Continued

Processing policies and dispute resolution

Funds availability Immediate availability Cash deposited into this Account. summary Same day availability Wire transfers and Direct Deposits into this Account.

Next day availability Checks deposited into this Account.

This represents our general policy but longer delays may apply. For specific details, including when Items are considered received, see the Funds Availability Policy for Deposit Accounts in Section 8 of the Agreement. For Mobile Deposits, if we receive the image of an Item for deposit on or before 7:00 p.m. Central Time on a Business Day, that day will be the day of deposit. Otherwise, the next Business Day will be the day of deposit. All funds will be available two (2) Business Days after the day of deposit.

Dispute resolution This Account is subject to the arbitration provision set forth in Section 7.EE of the Agreement.

Continued

Bank Fee Schedule Read the Deposit Account Disclosure for additional fees and fee waivers that may apply to your Account. Some services are not available at all locations.

BMO Harris Bill Pay® Free (excludes expedited Account Balancing / Research $40.00 per hour, payments) $15.00 minimum BMO Harris Total Look® Free Duplicate Statement $5.00

Combined Statement Free Photocopies of Canceled Checks First three Checks are free; $5.00 for each additional Debit or ATM Card Point-of-Sale (POS) Free Miscellaneous Transactions Participating ATMs in the U.S. Free3 Deposited Item Returned8 $12.00

Wire Transfer — Incoming Free Special Letter $10.00 (Immigration, Verification of Deposit, etc.) Payments and Transfers Verification of Deposit Form from Third Party $5.00 BMO Harris Bill Pay® — Expedited Payment Up to $15.00 Legal Document Processing Overdraft Funding Transfer Fee4 $10.00 per transfer; Citations, Garnishments, Levies and Other Up to $100.00 maximum one transfer fee Court Orders per Business Day Wire Transfer — Outgoing Domestic5 $30.00 Retrieval Fee for Legal Documents in Storage Up to $50.00 Wire Transfer — Outgoing International5 $50.00 Non-Customer Check Cashing ATM and Debit Card Cashing a Check of $50 or more Drawn $10.00 per Check on BMO Harris

Debit or ATM Card Expedited Delivery $30.00 2 Message and data rates may apply. Contact your wireless carrier for details. Debit or ATM Card Replacement $5.00 3 Foreign Transaction Fees will apply at BMO branded ATMs and Allpoint® ATMs located outside of the United States. 3,6 Foreign Transaction Fee 2.8% of the transaction 4 Only applicable to checking and money market checking accounts. amount 5 This fee does not apply to CDs and IRAs. Checks, Money Orders and Gift Cards 6 This fee will apply to any transaction initiated in a foreign country whether initiated by the Cardholder while traveling or by a foreign merchant for a BMO Harris Gift Card $4.00 purchase a Cardholder makes remotely from the United States, whether or Cashier’s Check $10.00 not a currency conversion is required. If a currency conversion is required, a Currency Conversion Assessment will be included in the U.S. dollar transaction Deluxe® Check Orders Varies by account type amount. See the Deposit Account Agreement – Section 9.A.4 for details. and style 7 Cost may include additional correspondent bank fees, collecting bank fees, communication fees, messenger fees and any other costs incurred. Money Order ($1,000 maximum) $5.00 8 Includes Items deposited by any method, including with a BMO Harris Teller or Customer Service Representative, by mail, depository or BMO Harris ATM.

Premier Money Market Deposit Account Disclosure and Bank Fee Schedule

Account opening and usage

Minimum deposit $25 needed to open Account Monthly $10 We charge this fee on the last day of the statement period if you do not have a minimum daily maintenance fee Ledger Balance in this Account of $10,000 or more for the statement period. Pays interest Yes1 This is a variable rate Account where interest rates and annual percentage yields may change. At our discretion, we may change the interest rate on this Account daily. The interest rate corresponding to the highest tier into which your Collected Balance falls will be paid on the entire Collected Balance. Interest will be compounded daily on the Collected Balance and credited to this Account monthly on the statement period date. The tiers are as follows: $0.01 – $4,999.99 $25,000 – $49,999.99 $250,000 – $499,999.99 $5,000 – $9,999.99 $50,000 – $99,999.99 $500,000 – $999,999.99 $10,000 – $24,999.99 $100,000 – $249,999.99 $1,000,000 or more For current interest rates, ask your BMO Harris Banker for a current Interest Rate Sheet or call 1-888-340-2265. Higher interest rates We may offer higher interest rates when you are an Account Owner of both a BMO Harris PremierTM Account and a may be available Premier Money Market Account. See the BMO Harris PremierTM Account Deposit Account Disclosure for details. For current interest rates, ask your BMO Harris Banker for a current Interest Rate Sheet or call 1-888-340-2265. Transaction limitations Deposits of any amount are allowed at any time. Withdrawals or transfers from money market accounts are unlimited when made in person at BMO Harris, at an ATM, by messenger, or by a request by mail or speaking to a telephone representative to have a check made payable to you. We limit all other withdrawals or transfers, including those made by Check, POS, ACH, wire, automated telephone banking and online banking, and including transfers to repay BMO Harris loans, to a combined total of six per month or monthly statement period. Transaction $15 Assessed for each transaction that exceeds transaction limitations described above, excluding limitation fee Overdraft Funding transfers. BMO Harris ATMs and Free For deposits, withdrawals, transfers or balance inquiries. All transactions may not be available Participating ATMs at all BMO Harris ATMs or at Participating ATMs. Non-BMO Harris ATM $3 We charge this fee for each Non-BMO Harris ATM Transaction. Transactions The ATM operator or network may also charge you a surcharge fee for a transaction or balance inquiry. Stop payment fee $35 Per request or renewal.

AccountAccount opening opening and usage and usage(continued)

Account closing fee $50 If closed within 90 days of Account opening. Statements We will send you statements with Check Images monthly. Contact us to request Check Images if you are not currently receiving them. 1 We use the Daily Balance Method to calculate the interest on this Account. This method applies a Daily Rate to the Collected Balance in this Account each day. Interest begins to accrue no later than the Business Day we receive credit for non-cash deposits (for example checks regardless of how they are deposited). For cash and electronic deposits, interest begins to accrue on the Business Day of the deposit. We reserve the right not to pay interest on any deposited Item that is returned to us as unpaid.

Processing policies and dispute resolution

Next day availability Checks deposited into this Account.

This represents our general policy but longer delays may apply. For specific details, including when Items are considered received, see the Funds Availability Policy for Deposit Accounts in Section 8 of the Agreement. For Mobile Deposits, if we receive the image of an Item for deposit on or before 7:00 p.m. Central Time on a Business Day, that day will be the day of deposit. Otherwise, the next Business Day will be the day of deposit. The first $500 of the deposit will be available one (1) Business Day after the day of deposit. The remainder will be available two (2) Business Days after the day of deposit. Dispute resolution This Account is subject to the arbitration provision set forth in Section 7.EE of the Agreement.

Insufficient Funds and Overdrafts

Your Account is overdrawn if it has a negative balance because the available funds in your Account are less than the amount of the Item(s) presented for payment. The Account balance that we use to determine if your Account is overdrawn includes all Items (including bank fees and service charges) that are posted to your Account on the same Business Day whether the Items are paid or returned. Refer to Section 2.C of the Agreement for information on when Items post to your Account. We will return as unpaid the following Items that overdraw this Account: Checks, automatic bill payments and other transactions made using this Account number. We will decline ATM and everyday debit Card transactions that may overdraw this Account. If we return an Item unpaid, you may be charged the fee described below. There are some Items we are unable to return. If we are unable to return an Item that overdraws your Account, we will use our discretion to pay it and you will not be charged a fee. Item Returned Fee (NSF) $36 per Item You will be charged an Item Returned Fee (NSF) each time we return an Item unpaid (Maximum four per because your Account does not have sufficient available funds to pay the Item. This fee does Business Day) not apply to declined ATM and everyday debit Card transactions.

Bank Fee Schedule Read the Deposit Account Disclosure for additional fees and fee waivers that may apply to your Account. Some services are not available at all locations.

Account Benefits Collection Items (Bond, Note, Sight Draft, Check) BMO Digital Banking Free2 Coupon Collection $10.00 per envelope BMO Harris ATM and Debit Card Free Domestic Collection $15.00 + cost7 BMO Harris ATM Mini-Statement Free Foreign Collection $45.00 + cost7 BMO Harris ATM Transactions Free Statement and Account Servicing BMO Harris Bank by Phone® Free Account Activity Printout $5.00 BMO Harris Bill Pay® Free (excludes expedited Account Balancing / Research $40.00 per hour, payments) $15.00 minimum BMO Harris Total Look® Free Duplicate Statement $5.00 Combined Statement Free Photocopies of Canceled Checks First three Checks are free; $5.00 for each additional Debit or ATM Card Point-of-Sale (POS) Free Miscellaneous Transactions Participating ATMs in the U.S. Free3 Deposited Item Returned8 $12.00 Wire Transfer — Incoming Free Special Letter $10.00 (Immigration, Verification of Deposit, etc.) Payments and Transfers Verification of Deposit Form from $5.00 Third Party BMO Harris Bill Pay® — Expedited Up to $15.00 Legal Document Processing Payment Overdraft Funding Transfer Fee4 $10.00 per transfer; maximum Citations, Garnishments, Levies and Up to $100.00 one transfer fee per Business Other Court Orders Day Wire Transfer — Outgoing Domestic5 $30.00 Retrieval Fee for Legal Documents Up to $50.00 in Storage Wire Transfer — Outgoing International5 $50.00 Non-Customer Check Cashing ATM and Debit Card Cashing a Check of $50 or more Drawn $10.00 per Check on BMO Harris Debit or ATM Card Expedited Delivery $30.00 2 Message and data rates may apply. Contact your wireless carrier for details. 3 ® Debit or ATM Card Replacement $5.00 Foreign Transaction Fees will apply at BMO branded ATMs and Allpoint ATMs located outside of the United States. 3,6 Foreign Transaction Fee 2.8% of the transaction 4 Only applicable to checking and money market checking accounts. amount 5 This fee does not apply to CDs and IRAs. Checks, Money Orders and Gift Cards 6 This fee will apply to any transaction initiated in a foreign country whether initiated by the Cardholder while traveling or by a foreign merchant for a BMO Harris Gift Card $4.00 purchase a Cardholder makes remotely from the United States, whether or Cashier’s Check $10.00 not a currency conversion is required. If a currency conversion is required, a Currency Conversion Assessment will be included in the U.S. dollar transaction Deluxe® Check Orders Varies by account type amount. See the Deposit Account Agreement – Section 9.A.4 for details. and style 7 Cost may include additional correspondent bank fees, collecting bank fees, communication fees, messenger fees and any other costs incurred. Money Order ($1,000 maximum) $5.00 8 Includes Items deposited by any method, including with a BMO Harris Teller or Customer Service Representative, by mail, depository or BMO Harris ATM.

Account opening and usage

Minimum deposit needed Varies The minimum deposit to open this CD is based on the initial term of the CD you selected and was made to open Account available to you before you submitted your application. Pays interest Yes1 For standard CDs, Online CDs, CD Specials, Add-On CDs and Bump Rate CDs we provide our interest rates and Annual Percentage Yields (APYs) on our web page and we made them available to you before you submitted your application. For Step Rate CDs we provide our interest rate and APY for each step and blended APY for each CD on our web page and we made them available to you before you submitted your application. For standard CDs, Online CDs, CD Specials, and Add-On CDs, you will be paid this rate until the maturity date of your CD. For Bump Rate CDs you will be paid this rate until the maturity date of your CD unless you elect to change the interest rate according to the Transaction Limitations below. For Step Rate CDs you will be paid these rates for each step until the maturity date of your CD. The APY (and blended APY for Step Rate CDs) assumes interest and principal remains on deposit until maturity. A withdrawal will reduce earnings. For all CDs with maturities less than one year, interest for your Account will be compounded daily and will be credited to your CD at maturity. For all CDs with maturities one year or greater, interest for your Account will be compounded daily and will be credited to your CD quarterly. Transaction Limitations – Each CD is treated as a separate Account with its own interest rate and maturity. During the 10 calendar day grace period all CDs after maturity, additional funds may be added and withdrawals may be made. Transaction Limitations – You cannot make additional deposits into or withdrawals from this Account until the maturity date. all CDs excluding Add-On CDs Transaction Limitations – You cannot make withdrawals from this Account until the maturity date. You may make additional deposits into this Add-On CDs Account during the term of the CD and during the grace period. During the term of the CD, additional deposits may only be made by transfer from a BMO Harris deposit Account through mobile banking, telephone banking, a transfer request at a branch, and when you sign into your online banking account at bmoharris.com. Deposits of cash or checks and ACH deposits directly into this Account are not permitted. The balance in your Account cannot exceed $100,000 excluding interest. Deposits that would cause the principal balance of this Account to exceed $100,000 (excluding interest) will be credited back to your transfer from account without an early withdrawal penalty. Transaction Limitations – You may elect to change the interest rate and APY one time during the term of this CD to the standard CD rate (Special Bump Rate CDs Promotional CD rates may not be used) in effect for the then remaining term of this CD. You may not change the interest rate in the first 12 months of the CD or after the CD renews to a standard CD. 1 We use the Daily Balance Method to calculate the interest on this Account. This method applies a Daily Rate to the Ledger Balance in this Account each day. Interest begins to accrue on the Business Day you deposit cash or any non-cash Item (for example checks). We reserve the right not to pay interest on any deposited Item that is returned to us as unpaid.

Certificate of Deposit (CD) • PAGE 1 of 4 • (8/20) Maturity, renewal and grace period

Automatic renewal – At the maturity date, a standard CD will automatically renew to a standard CD of equal term at the then current interest rate Standard CDs and APY for that term and current balance as shown on the then current rate sheet. If the CD is renewed at maturity to a new CD with less than $1,000, it will be paid a rate of 0.010% with a 0.01% APY. Automatic renewal – At the maturity date, an Online CD will automatically renew to an Online CD of equal term at the then current interest rate Online CDs and APY for that term and current balance as shown on bmoharris.com. If the CD is renewed at maturity to a new CD with less than $1,000, it will be paid a rate of 0.010% with a 0.01% APY. Automatic renewal – At the maturity date: CD Specials · a 7 month CD Special will automatically renew to a 6 month standard CD · a 11 month CD Special will automatically renew to a 9 month standard CD · a 13 month CD Special will automatically renew to a 1 year standard CD · a 15 month CD Special will automatically renew to a 1 year standard CD · a 19 month CD Special will automatically renew to a 18 month standard CD · a 25 month CD Special will automatically renew to a 2 year standard CD · a 31 month CD Special will automatically renew to a 30 month standard CD · a 35 month CD Special will automatically renew to a 30 month standard CD · a 40 month CD Special will automatically renew to a 3 year standard CD · a 45 month CD Special will automatically renew to a 3 year standard CD · a 49 month CD Special will automatically renew to a 4 year standard CD · a 55 month CD Special will automatically renew to a 4 year standard CD · a 59 month CD Special will automatically renew to a 4 year standard CD each at the then current interest rate and APY for the relevant term and current balance as shown on the then current rate sheet. If the CD is renewed at maturity to a new CD with less than $1,000, it will be paid a rate of 0.010% with a 0.01% APY. Automatic renewal – At the maturity date, a 12-23 month Add-On CD will automatically renew to a 1 year standard CD; a 24-35 month Add-On CD Add-On CDs will automatically renew to a 2 year standard CD; a 36-47 month Add-On CD will automatically renew to a 3 year standard CD; and a 48-59 month Add-On CD will automatically renew to a 4 year standard CD – each at the then current interest rate and APY for the relevant term and current balance as shown on the then current rate sheet. If the CD is renewed at maturity to a new CD with less than $1,000, it will be paid a rate of 0.010% with a 0.01% APY. Automatic renewal – At the maturity date, a 24-35 month Bump Rate CD will automatically renew to a 2 year standard CD; a 36-47 month Bump Bump Rate CDs Rate CD will automatically renew to a 3 year standard CD; a 48-59 month Bump Rate CD will automatically renew to a 4 year standard CD; and a 5 year+ Bump Rate CD will automatically renew to a 5 year standard CD – each at the then current interest rate and APY for the relevant term and current balance as shown on the then current rate sheet. If the CD is renewed at maturity to a new CD with less than $1,000, it will be paid a rate of 0.010% with a 0.01% APY. Automatic renewal – At the maturity date, this Account will automatically renew to a standard CD (non-Step Rate CD) for the same term at the Step Rate CDs then current interest rate and APY for that term and current balance as shown on the then current rate sheet. If the CD is renewed at maturity to a new CD with less than $1,000, it will be paid a rate of 0.010% with a 0.01% APY. Grace period You will have a grace period of 10 calendar days after the maturity date to withdraw funds without being charged an early withdrawal penalty. If you close your CD during the grace period, it will not earn interest after the maturity date. We will send you a pre-maturity reminder and a confirmation of the renewal.

Certificate of Deposit (CD) • PAGE 2 of 4 • (8/20) Early withdrawal penalty

When you make a deposit to any one of our CD products, you agree to keep the funds on deposit until the maturity date. The maturity date is the first day you can change the term or make a withdrawal without paying an early withdrawal penalty. We reserve the right to permit withdrawals of principal only upon maturity. If we permit you to make an early withdrawal of principal before maturity, you will pay an early withdrawal penalty. The penalty is calculated using the interest rate applicable to the CD at the time of early withdrawal. If the amount of the penalty exceeds the amount of your accrued and unpaid interest, then a reduction of principal would be required in order to pay the penalty. Early withdrawal CD Term Interest Penalty penalty 1 month (7 – 59 days) You will be charged all interest earned

2 months – 11 months You will be charged 90 days interest (60 days – up to and including 364 days) 12 – 23 months You will be charged 180 days interest

24 – 35 months You will be charged 270 days interest

36 – 47 months You will be charged 365 days interest

48 months or longer You will be charged 545 days interest

Penalty waivers The penalty will be waived in the following circumstances: • Any Account Owner of the CD passes away. • Any Account Owner of the CD is judicially declared legally incompetent. • Any Account Owner of the CD has separate CDs with an FDIC-insured bank and that bank merges with BMO Harris Bank, and within one year of the merger the Account Owner withdraws the amount of the combined CD balances that exceed FDIC deposit insurance coverage. However, please note that the FDIC may only insure CDs separately for six months after the date of the merger and any amount OF YOUR COMBINED DEPOSIT BALANCES in excess of the FDIC deposit insurance coverage will not be insured after such date. Additional information regarding FDIC deposit insurance coverage can be found at FDIC.gov. • The CD has a feature where it will automatically renew at maturity and the withdrawal is made during the 10-day calendar day grace period after the maturity date of the CD.

Certificate of Deposit (CD) • PAGE 3 of 4 • (8/20) Bank Fee Schedule Read the Deposit Account Disclosure for additional fees and fee waivers that may apply to your Account. Some services are not available at all locations.

Account Benefits Collection Items (Bond, Note, Sight Draft, Check) BMO Digital Banking Free2 Coupon Collection $10.00 per envelope BMO Harris ATM and Debit Card Free Domestic Collection $15.00 + cost7 BMO Harris ATM Mini-Statement Free Foreign Collection $45.00 + cost7 BMO Harris ATM Transactions Free Statement and Account Servicing BMO Harris Bank by Phone® Free Account Activity Printout $5.00 BMO Harris Bill Pay® Free (excludes expedited Account Balancing / Research $40.00 per hour, payments) $15.00 minimum BMO Harris Total Look® Free Duplicate Statement $5.00 Combined Statement Free Photocopies of Canceled Checks First three Checks are free; $5.00 for each additional Debit or ATM Card Point-of-Sale (POS) Free Transactions Miscellaneous Participating ATMs in the U.S. Free3 Deposited Item Returned8 $12.00 Wire Transfer — Incoming Free Special Letter $10.00 Payments and Transfers (Immigration, Verification of Deposit, etc.) Verification of Deposit Form from Third Party $5.00 BMO Harris Bill Pay® — Expedited Payment Up to $15.00 Overdraft Funding Transfer Fee4 $10.00 per transfer; Legal Document Processing maximum one transfer Citations, Garnishments, Levies and Other Up to $100.00 fee per Business Day Court Orders Wire Transfer — Outgoing Domestic5 $30.00 Retrieval Fee for Legal Documents in Storage Up to $50.00 Wire Transfer — Outgoing International5 $50.00 Non-Customer Check Cashing ATM and Debit Card Cashing a Check of $50 or more Drawn $10.00 per Check Debit or ATM Card Expedited Delivery $30.00 on BMO Harris 2 Message and data rates may apply. Contact your wireless carrier for details. Debit or ATM Card Replacement $5.00 3 Foreign Transaction Fees will apply at BMO branded ATMs and Allpoint® ATMs Foreign Transaction Fee3,6 2.8% of the transaction located outside of the United States. amount 4 Only applicable to checking and money market checking accounts. Checks, Money Orders and Gift Cards 5 This fee does not apply to CDs and IRAs. 6 This fee will apply to any transaction initiated in a foreign country whether BMO Harris Gift Card $4.00 initiated by the Cardholder while traveling or by a foreign merchant for a Cashier’s Check $10.00 purchase a Cardholder makes remotely from the United States, whether or not a currency conversion is required. If a currency conversion is required, a Deluxe® Check Orders Varies by account type Currency Conversion Assessment will be included in the U.S. dollar transaction and style amount. See the Deposit Account Agreement - Section 9.A.4 for details. 7 Money Order ($1,000 maximum) $5.00 Cost may include additional correspondent bank fees, collecting bank fees, communication fees, messenger fees and any other costs incurred. 8 Includes Items deposited by any method, including with a BMO Harris Teller or Customer Service Representative, by mail, depository or BMO Harris ATM.