Getting to know your Account the basics

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1 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. Getting to know your Account the basics Account Opening and Usage Minimum deposit needed to open Account $100 Monthly maintenance fee $10 Pays interest NO We charge this fee on the last day of the statement period if you do not meet any one of the waiver requirements listed on page 3. Stop payment fee Account closing fee $35 $50 Per request or renewal. If closed within 90 days of Account opening. Certain ATM Fees BMO Harris ATMs FREE For deposits, withdrawals, transfers or balance inquiries. Non-BMO Harris ATMs $2.50 We charge this fee for each Non-BMO Harris ATM Transaction. This fee will be waived for college students for four (4) years if they meet the monthly maintenance fee waiver requirement on page 3. The ATM operator or network may also charge you a fee for a transaction or balance inquiry. Statements We will send you statements monthly. If you link this Account to receive benefits under Relationship Waiver, the statement period date will change to be the same statement period as the BMO Harris Select Checking, BMO Harris Portfolio Checking, or Wealth Checking account to which this Account is linked. We will send you Check Images with your statement if you request them. We will charge you a $3 fee each statement period your Account is enrolled in this service even if there are no Check Images for your Account for a particular statement period. This fee will appear as IMG STMT SURCHARGE on your statement. The fee will be waived if you select to only receive online statements through BMO Harris Online Banking and not paper statements. To receive the waiver, you must (1) be enrolled in BMO Harris Online Banking and (2) change your Statement Preferences in BMO Harris Online Banking to Electronic Only for this Account. Check Orders One (1) free welcome package of checks. The price for other check orders varies by check style. 1 of 4

2 Getting to know your Account Insufficient Funds and Overdrafts 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. ATM and everyday debit Card transactions that may overdraw this Account will be declined unless you select the Overdraft Program for ATM and Everyday Debit Card Transactions described below. Below are fees that may be charged if you do not have sufficient available funds in your Account. Overdraft and Item Returned Fees Example for Illustrative Purposes 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. Read Section 2.C of the Agreement for information on when Items post to your Account. Overdraft Your Account Fee is You will be charged $35 per an Overdraft Item Fee for You each will Item be charged we pay (regardless an Overdraft of Fee the amount for each of Item the we Item) pay when your Account is overdrawn more than (Maximum $5 after all 4 Items per are posted (regardless to the Account. of the amount An Overdraft of the Item) Fee when is not your charged Account if your is Account Business Day) is overdrawn by $5 or less after all the Items are posted to overdrawn the Account. more than $5 after all Items are posted to the Account. This fee does not apply to ATM and everyday debit Card An transactions Overdraft Fee unless is not you charged have authorized if your Account us to pay is overdrawn these types by of $5 transactions. We do not charge an Overdraft Fee for bank or fees less and after service all the Items charges are that posted overdraw to the your Account. Account. 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 This to determine fee does not if your apply Account to ATM is and overdrawn everyday includes debit Card all Items (including bank fees transactions unless you have authorized us to pay these types of and service charges) that are posted to your Account on transactions. the same Business We do Day not charge whether an the Overdraft Items are Fee paid for or bank returned. fees and Read Section 2.C of service charges that overdraw your Account. the Agreement for information on when Items post to your Account. Consecutive Day $5 per Business Day You will be charged a Consecutive Day Overdraft Fee for each Overdraft Fee (Maximum 10 for Your Account is overdrawn if it has a negative balance because Business the Day available your Account funds in is your overdrawn Account in are any less amount than the after amount your each occasion your of the Item(s) presented for payment. The Account balance Account that we is use overdrawn to determine for 3 consecutive if your Account Business is overdrawn Days. You includes will be Account remains all Items (including bank fees charged this fee even if your Account is only overdrawn due to bank overdrawn) and service charges) that are posted to your Account on fees the same and service Business charges. Day whether the Items are paid or returned. Read Section 2.C of Item the Agreement Returned Fee for information on $35 when per Items post to your You Account. will be charged an Item Returned Fee (NSF) each time we (NSF) (Maximum 4 per return an Item unpaid because your Account does not have Your Account is You will be charged Business an Overdraft Day) Fee for sufficient each Item available we pay funds (regardless to pay of the the Item. amount This of fee the does Item) not when apply your to Account is overdrawn more than $5 after all Items are posted declined to the ATM Account. and everyday An Overdraft debit Fee Card is transactions. not charged if your Account is overdrawn by $5 or less after all the Items are posted to the Account. This fee does not apply to ATM and everyday debit Card transactions unless you have authorized us to pay these types of The transactions. customer s We checking do not charge account an balance Overdraft is $3 Fee and for two bank checks fees and are presented service charges for payment: that overdraw (i) a $4 your check Account. and (ii) a $2,000 check. The account does not have enough money to pay either check. BMO Harris considers the account balance at the end overdrawn if it has a negative balance because the available funds in your Account are less than the amount of the Item(s) of the day to be -$2,001 to determine whether to charge an Overdraft Fee. BMO Harris then uses its discretion to pay the $4 presented for payment. The Account balance that we use to determine if your Account is overdrawn includes all Items check and return the $2,000 check unpaid. The account is charged a $35 Overdraft Fee for the $4 check and a $35 Item Returned (including Fee bank (NSF) fees for the $2,000 check. The account balance is -$71 after the $4 check is paid, the $2,000 check is returned and service unpaid charges) and the that $35 are Overdraft posted to Fee your and Account $35 Item on Returned the same Fee Business are charged Day whether to the the account. Items are paid or returned. Read Section 2.C of The the customer Agreement does for information not add any on money when to Items the account post to your for the Account. next 3 weeks. As a result of having a negative balance, the account is charged a $5 Consecutive Day Overdraft Fee for ten (10) Business Days beginning on the 4th Business Day. The account is not charged a Consecutive Day Overdraft Fee on the 1st, 2nd, or 3rd Business Days because BMO Harris does not charge the Consecutive Day Overdraft Fee until the fourth (4) consecutive Business Day an account is overdrawn. The account is not charged a Consecutive Day Overdraft Fee after the 13th Business Day because BMO Harris only charges up to ten (10) Consecutive Day Overdraft Fees for each occasion an account remains overdrawn. The customer s account is charged a total of $50 in Consecutive Day Overdraft Fees for this occasion. Overdraft Services Overdraft Program for ATM and Everyday Debit Card Transactions Overdraft Protection Services You can ask us to use our discretion to pay ATM and everyday debit Card transactions when you do not have enough money available in your Account to pay the transaction and associated fees. The Overdraft Fee and Consecutive Day Overdraft Fee apply to this program. If you opt-in, you can change your mind at any time. We offer Overdraft Funding and an Overdraft Protection Line of Credit¹, both of which may be less expensive than overdraft and item returned fees. In order to have Overdraft Funding, you must enroll in this service. In order to have an Overdraft Protection Line of Credit, you must apply and qualify. Talk to your BMO Harris Banker for details. 1 Lines of credit are subject to bank and credit approval. 2 of 4

3 Getting to know your Account Processing Policies and Dispute Resolution Processing Policies Posting order (the order in which Items are credited or debited) Funds availability summary We post transactions in the following order at the end of each Business Day: 1. Deposits and other credits received prior to the cutoff times. 2. ATM withdrawals and non-returnable 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. Wire transfers, electronic Direct Deposits and cash deposited into this Account at a BMO Harris branch Same day availability Checks deposited into this Account at a BMO Harris branch and deposits made at BMO Harris ATMs (cash or check) Next day availability 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. Read the BMO Harris Mobile Banking End User Terms for information on funds availability for mobile deposits. Dispute Resolution This Account is subject to the arbitration provision set forth in Section 7.FF of the Agreement. Getting to know your Account Waivers Monthly Maintenance Fee Waiver We will not charge the $10 monthly maintenance fee if ANY ONE of the following occurs during the statement period: This Account has Incoming External Deposits totaling $500 or more. The minimum daily Ledger Balance in this Account is $1,000 or more. Your BMO Harris Select Checking account meets its $10,000 minimum Combined Balance requirement, and you have requested we link this Account to your BMO Harris Select Checking account to receive benefits under Relationship Waiver. (Monthly maintenance fee waiver is limited to one (1) BMO Harris Everyday Checking account.) Your BMO Harris Portfolio Checking account meets its $25,000 minimum Combined Balance requirement, and you have requested we link this Account to your BMO Harris Portfolio Checking account to receive benefits under Relationship Waiver. (Monthly maintenance fee waiver is limited to a total of two (2) BMO Harris Everyday Checking accounts.) Your Wealth Checking account meets its $25,000 minimum Average Daily Balance requirement, and you have requested we link this Account to your Wealth Checking account to receive benefits under Relationship Waiver. (Monthly maintenance fee waiver is limited to a total of two (2) BMO Harris Everyday Checking accounts.) A college student is an Account Owner, requests a student fee waiver, and presents current student identification. This fee waiver will apply for four (4) years from the date of the request. One college student fee waiver per customer. Ask your BMO Harris Banker for additional information, as well as to request Relationship Waiver and to link your Accounts. We do not automatically link your Accounts. Additional information on Relationship Waiver can be found in Section 7.L of the Agreement. 3 of 4

4 Bank Fee Schedule FREE Services for BMO Harris Customers BMO Harris ATM Card BMO Harris ATM Transactions BMO Harris Bank by Phone SM BMO Harris Bill Pay 1 BMO Harris Debit Card BMO Harris Mobile Banking SM2 BMO Harris Online Banking Miscellaneous Fees 3 Customers Only BMO Harris Total Look Coin Counting (under $100) Combined Statement Debit or ATM Card Point-of-Sale (POS) Transactions Wire Transfers (Incoming) Account Balancing / Research... $40 per hour, $15 minimum Account Activity Printout... $5.00 Photocopies of Canceled Checks... First three (3) Checks FREE; $5.00 for each additional Check BMO Harris Bill Pay Expedited Payment...up to $15.00 BMO Harris Gift Card... $4.00 Cashier s Checks... $5.00 Effective 9/8/2014, this fee will be increased to $10.00 Coin Counting ($100 and over)... 1% of total amount or $5.00, whichever is greater Collection Item (Bond, Note, Sight Draft, Check): Coupon Collection... $10.00 per envelope Domestic Collection... $ cost 4 Foreign Collection... $ cost 4 Deluxe Check Orders...varies by account type and style Deposited Item Returned 5... $12.00 each Duplicate Statement... $5.00 each Fax Services: First Page... $5.00 Each Additional Page... $1.00 Hold Mail... $5.00 per month Legal Document Processing: Citations, Garnishments, Levies and Other Court Orders... up to $ Retrieval Fee for Legal Documents in Storage... up to $50.00 Money Orders ($1,000 maximum)... $5.00 Overdraft Funding Transfer Fee 6... $10.00 per transfer Maximum one (1) transfer fee per Business Day Miscellaneous Fees 3 Customers Only, cont. Photocopies: First Page...FREE Each Additional Page...$0.50 Special Letter (Immigration, Verification of Deposit, etc.)...$10.00 Temporary Checks (only sold in sets of 3)...$3.00 per set Travelers Cheques (American Express ) 7...2% of total Verification of Deposit Form from Third Party... $5.00 Wire Transfers (Outgoing): Domestic... $25.00 each International... $45.00 each Non-Customer Fees Cashing Checks Drawn on BMO Harris... $10.00 per Check (for Checks $50 or more) Photocopies...$1.00 each page Debit and ATM Card Fees BMO Harris ATM Mini-Statement Purchase... $1.00 Debit or ATM Card Expedited Delivery... $30.00 Debit or ATM Card Replacement... $5.00 Foreign Transaction Fee % of the transaction amount Read the Deposit Account Disclosure for additional fees and fee waivers that may apply to your Account. 1 BMO Harris Bill Pay services are free unless you request an expedited payment. 2 Message and data rates may apply. Contact your wireless carrier for details. 3 Some services not available at all locations. 4 Cost may include additional correspondent bank fees, collecting bank fees, communication fees, messenger fees and any other costs incurred. 5 Includes Items deposited by any method including with a BMO Harris Teller or Customer Service Representative, by mail, depository or BMO Harris ATM. 6 Only applicable to checking and money market checking accounts. 7 American Express is a registered trademark of American Express Marketing and Development Corp. in the U.S. and other countries. 8 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 purchase a Cardholder makes remotely from the United States, whether or not a currency conversion is required. BMO Harris Bank and BMO Harris are trade names used by BMO Harris Bank N.A. Member FDIC BMO Harris Bank N.A. 4 of 4 bmoharris.com /14

5 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. Getting to know your Account the basics Account Opening and Usage Minimum deposit needed to open Account $100 Monthly maintenance fee $15 Pays interest YES We charge this fee on the last day of the statement period if you do not meet any one of the waiver requirements listed on page 3. 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. The tiers are as follows: $ $2, $2,500 - $9, $10,000 or more Interest compounding and crediting Call or visit a BMO Harris branch for a current Interest Rate Sheet. Current interest rates are also available online at bmoharris.com. Interest will be compounded daily on the Collected Balance and credited to this Account monthly on the statement period date. Balance computation method and interest accrual 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. Stop payment fee Account closing fee $35 $50 Per request or renewal. If closed within 90 days of Account opening. Certain ATM Fees BMO Harris ATMs FREE For deposits, withdrawals, transfers or balance inquiries. Non-BMO Harris ATMs $2.50 We charge this fee for each Non-BMO Harris ATM Transaction in excess of two (2) per statement period. The ATM operator or network may also charge you a fee for a transaction or balance inquiry. Statements Check Orders We will send you statements with Check Images monthly. Contact us to request Check Images if you are not currently receiving them. One (1) free welcome package of checks OR a 50% discount on printing charges for the first box of certain check styles ordered through us. The price for other check orders varies by check style. 1 of 4

6 Getting to know your Account Insufficient Funds and Overdrafts 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. ATM and everyday debit Card transactions that may overdraw this Account will be declined unless you select the Overdraft Program for ATM and Everyday Debit Card Transactions described below. Below are fees that may be charged if you do not have sufficient available funds in your Account. Overdraft and Item Returned Fees Example for Illustrative Purposes 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. Read Section 2.C of the Agreement for information on when Items post to your Account. Overdraft Fee Your Account is You will be charged $35 an per Overdraft Item Fee for You each will Item be we charged pay (regardless an Overdraft of the Fee amount for each of Item the Item) we pay when (regardless your (Maximum 4 per Account is overdrawn more than $5 after all Items are posted of the to amount the Account. of the An Item) Overdraft when your Fee Account is not charged is overdrawn if your Account more is Business Day) overdrawn by $5 or less after all the Items are posted to the than Account. $5 after all Items are posted to the Account. An Overdraft Fee is not charged if your Account is overdrawn by $5 or less after all the This fee does not apply to ATM and everyday debit Card transactions unless you have authorized us to pay these types of Items are posted to the Account. transactions. We do not charge an Overdraft Fee for bank fees and service charges that overdraw your Account. 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 This to determine fee does if not your apply Account to ATM is overdrawn and everyday includes debit Card all Items transactions (including bank fees unless you have authorized us to pay these types of transactions. We and service charges) that are posted to your Account on the do not same charge Business an Overdraft Day whether Fee for the bank Items fees are and paid service or returned. charges Read that Section 2.C of overdraw your Account. the Consecutive Agreement Day for information on $5 when per Business Items post Day to your You Account. will be charged a Consecutive Day Overdraft Fee for each Overdraft Fee (Maximum 10 for each Business Day your Account is overdrawn in any amount after your Your Account is overdrawn if it has occasion a negative your balance because Account the is available overdrawn funds for 3 in consecutive your Account Business are less Days. than the You amount will be of Account remains the Item(s) presented for payment. The Account balance that we use to determine if your Account is includes all overdrawn) charged this fee even if your Account is only overdrawn due to bank Items (including bank fees fees and service charges. and service charges) that are posted to your Account on the same Business Day whether the Items are paid or returned. Read Section Item Returned 2.C of Fee $35 per Item You will be charged an Item Returned Fee (NSF) each time we the (NSF) Agreement for information on (Maximum when Items 4 post per to your return Account. an Item unpaid because your Account does not have sufficient Business Day) available funds to pay the Item. This fee does not apply to declined Your Account is You will be charged an Overdraft Fee for ATM each and Item everyday we pay (regardless debit Card transactions. of the amount of the Item) when your Account is overdrawn more than $5 after all Items are posted to the Account. An Overdraft Fee is not charged if your Account is overdrawn The customer s by $5 checking or less after account all the balance Items are is $3 posted and two to the checks Account. are presented for payment: (i) a $4 check and (ii) a $2,000 This check. fee The does account not apply does to not ATM have and enough everyday money debit to Card pay transactions either check. unless BMO you Harris have considers authorized the account us to pay balance these types at the of end of transactions. the day to be We -$2,001 do not to charge determine an Overdraft whether to Fee charge for bank Overdraft fees and Fee. service BMO charges Harris that then overdraw uses its discretion your Account. to pay the $4 check overdrawn and return the if it has $2,000 a negative check unpaid. balance The because account the is available charged funds a $35 in Overdraft your Account Fee for are the less $4 than check the and amount a $35 of Item the Returned Item(s) Fee presented (NSF) for the for payment. $2,000 check. The Account The account balance balance that we is -$71 use after to determine the $4 check if your is Account paid, the is $2,000 overdrawn check includes is returned all Items unpaid and the (including $35 Overdraft bank Fee fees and $35 Item Returned Fee are charged to the account. and service charges) that are posted to your Account on the same Business Day whether the Items are paid or returned. Read Section The customer 2.C of does not add any money to the account for the next 3 weeks. As a result of having a negative balance, the the account Agreement is charged for information a $5 Consecutive when Day Items Overdraft post to Fee your for Account. ten (10) Business Days beginning on the 4th Business Day. The account is not charged a Consecutive Day Overdraft Fee on the 1st, 2nd, or 3rd Business Days because BMO Harris does not charge the Consecutive Day Overdraft Fee until the fourth (4) consecutive Business Day an account is overdrawn. The account is not charged a Consecutive Day Overdraft Fee after the 13th Business Day because BMO Harris only charges up to ten (10) Consecutive Day Overdraft Fees for each occasion an account remains overdrawn. The customer s account is charged a total of $50 in Consecutive Day Overdraft Fees for this occasion. Overdraft Services Overdraft Program for ATM and Everyday Debit Card Transactions Overdraft Protection Services You can ask us to use our discretion to pay ATM and everyday debit Card transactions when you do not have enough money available in your Account to pay the transaction and associated fees. The Overdraft Fee and Consecutive Day Overdraft Fee apply to this program. If you opt-in, you can change your mind at any time. We offer Overdraft Funding and an Overdraft Protection Line of Credit¹, both of which may be less expensive than overdraft and item returned fees. In order to have Overdraft Funding, you must enroll in this service. In order to have an Overdraft Protection Line of Credit, you must apply and qualify. Talk to your BMO Harris Banker for details. 1 Lines of credit are subject to bank and credit approval. 2 of 4

7 Getting to know your Account Processing Policies and Dispute Resolution Processing Policies Posting order (the order in which Items are credited or debited) Funds availability summary We post transactions in the following order at the end of each Business Day: 1. Deposits and other credits received prior to the cutoff times. 2. ATM withdrawals and non-returnable 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. Wire transfers, electronic Direct Deposits and cash deposited into this Account at a BMO Harris branch Same day availability Checks deposited into this Account at a BMO Harris branch and deposits made at BMO Harris ATMs (cash or check) Next day availability 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. Read the BMO Harris Mobile Banking End User Terms for information on funds availability for mobile deposits. Dispute Resolution This Account is subject to the arbitration provision set forth in Section 7.FF of the Agreement. Getting to know your Account Waivers Monthly Maintenance Fee Waiver Other Fee Waivers We will not charge the $15 monthly maintenance fee if ANY ONE of the following occurs during the statement period: The minimum daily Ledger Balance in this Account is $5,000 or more. You have requested we link this Account to receive benefits under Relationship Waiver and you have met the $10,000 Combined Balance requirement for this Account. You are timely paying a BMO Harris consumer or small business loan or line of credit in accordance with the terms of your agreement and you have requested this fee waiver from us. 1-2 Purchase fees are waived for money orders and Travelers Cheques (American Express ). 3 Relationship Waiver Offers Relationship Waiver is a special feature of this Account. In addition to waiving the monthly maintenance fee on this Account, we will also waive the monthly maintenance fee on the following Accounts if this Account meets the $10,000 Combined Balance requirement and you have requested we link these Accounts to this Account to receive this benefit: One (1) BMO Harris Everyday Checking account AND Two (2) accounts in total that can be either Statement Savings and/or BMO Harris Select Money Market accounts Ask your BMO Harris Banker for additional information, as well as to request Relationship Waiver and to link your Accounts. We do not automatically link your Accounts. Additional information on Relationship Waiver can be found in Section 7.L of the Agreement. 1 Loans and lines of credit are subject to bank and credit approval. 2 A BMO Harris small business loan must be made to an Account Owner s for-profit sole proprietorship or partnership (as stated on the assumed name certificate or partnership agreement). Mortgage loans, overdraft protection lines of credit and loans to non-profit organizations do not qualify. 3 American Express is a registered trademark of American Express Marketing and Development Corp. in the U.S. and other countries. 3 of 4

8 Bank Fee Schedule FREE Services for BMO Harris Customers BMO Harris ATM Card BMO Harris ATM Transactions BMO Harris Bank by Phone SM BMO Harris Bill Pay 1 BMO Harris Debit Card BMO Harris Mobile Banking SM2 BMO Harris Online Banking Miscellaneous Fees 3 Customers Only BMO Harris Total Look Coin Counting (under $100) Combined Statement Debit or ATM Card Point-of-Sale (POS) Transactions Wire Transfers (Incoming) Account Balancing / Research... $40 per hour, $15 minimum Account Activity Printout... $5.00 Photocopies of Canceled Checks... First three (3) Checks FREE; $5.00 for each additional Check BMO Harris Bill Pay Expedited Payment...up to $15.00 BMO Harris Gift Card... $4.00 Cashier s Checks... $5.00 Effective 9/8/2014, this fee will be increased to $10.00 Coin Counting ($100 and over)... 1% of total amount or $5.00, whichever is greater Collection Items (Bond, Note, Sight Draft, Check): Coupon Collection... $10.00 per envelope Domestic Collection... $ cost 4 Foreign Collection... $ cost 4 Deluxe Check Orders...varies by account type and style Deposited Item Returned 5... $12.00 each Duplicate Statement... $5.00 each Fax Services: First Page... $5.00 Each Additional Page... $1.00 Hold Mail... $5.00 per month Legal Document Processing: Citations, Garnishments, Levies and Other Court Orders... up to $ Retrieval Fee for Legal Documents in Storage... up to $50.00 Money Orders ($1,000 maximum)... $5.00 Overdraft Funding Transfer Fee 6... $10.00 per transfer Maximum one (1) transfer fee per Business Day Miscellaneous Fees 3 Customers Only, cont. Photocopies: First Page...FREE Each Additional Page...$0.50 Special Letter (Immigration, Verification of Deposit, etc.)...$10.00 Temporary Checks (only sold in sets of 3)...$3.00 per set Travelers Cheques (American Express ) 7...2% of total Verification of Deposit Form from Third Party... $5.00 Wire Transfers (Outgoing): Domestic... $25.00 each International... $45.00 each Non-Customer Fees Cashing Checks Drawn on BMO Harris... $10.00 per Check (for Checks $50 or more) Photocopies...$1.00 each page Debit and ATM Card Fees BMO Harris ATM Mini-Statement Purchase... $1.00 Debit or ATM Card Expedited Delivery... $30.00 Debit or ATM Card Replacement... $5.00 Foreign Transaction Fee % of the transaction amount Read the Deposit Account Disclosure for additional fees and fee waivers that may apply to your Account. The tiers are as follows: 1 $0.01 BMO - Harris $9, Bill Pay services are free unless you request an expedited payment. 2 $10,000 Message - $24, and data rates may apply. Contact your wireless carrier for details. 3 $25,000 - $49, Some services not available at all locations. $50,000 or more 4 Cost may include additional correspondent bank fees, collecting bank fees, communication fees, messenger fees and any other costs incurred. See the accompanying Interest Rate Sheet for current interest rates. 5 ees Includes and fee Items waivers deposited that may by any apply method to your including Account. with a BMO Harris Teller or Customer Service Representative, by mail, depository or BMO Harris ATM. 6 Only applicable to checking and money market checking accounts. 7 American Express is a registered trademark of American Express Marketing and Development Corp. in the U.S. and other countries. 8 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 purchase a Cardholder makes remotely from the United States, whether or not a currency conversion is required. BMO Harris Bank and BMO Harris are trade names used by BMO Harris Bank N.A. Member FDIC BMO Harris Bank N.A. 4 of 4 bmoharris.com /14

9 BMO Harris Portfolio Checking 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. Getting to know your Account the basics Account Opening and Usage Minimum deposit needed to open Account $100 Monthly maintenance fee $25 We charge this fee on the last day of the statement period if you do not meet any one of the waiver requirements listed on page 3. Pays interest YES 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. The tiers are as follows: $ $9, $10,000 - $24, $25,000 - $49, $50,000 or more Call or visit a BMO Harris branch for a current Interest Rate Sheet. Current interest rates are also available online at bmoharris.com. Interest compounding and crediting Interest will be compounded daily on the Collected Balance and credited to this Account monthly on the statement period date. Balance computation method and interest accrual Stop payment fee Account closing fee 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. Per request or renewal. If closed within 90 days of Account opening. Certain ATM Fees BMO Harris ATMs FREE For deposits, withdrawals, transfers or balance inquiries. Non-BMO Harris ATMs $35 $50 $2.50 We charge this fee for each Non-BMO Harris ATM Transaction in excess of five (5) per statement period. This fee is waived for all Non-BMO Harris ATM Transactions for Work Bank Live clients. Statements Check Orders Non-BMO Harris ATM surcharge fee rebates The ATM operator or network may also charge you a fee for a transaction or balance inquiry. We will rebate up to $25 in ATM surcharge fees assessed by the ATM operator or network each statement period. We will send you statements with Check Images monthly. Contact us to request Check Images if you are not currently receiving them. One (1) free welcome package of checks AND Free wallet/duplicate safety paper and Hubert-style checks OR a 50% discount on printing charges for certain check styles ordered through us. The price for other check orders varies by check style. 1 of 4

10 Getting to know your Account Insufficient Funds and Overdrafts 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. ATM and everyday debit Card transactions that may overdraw this Account will be declined unless you select the Overdraft Program for ATM and Everyday Debit Card Transactions described below. Below are fees that may be charged if you do not have sufficient available funds in your Account. Overdraft and Item Returned Fees Example for Illustrative Purposes 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. Read Section 2.C of the Agreement for information on when Items post to your Account. Your Overdraft Account Fee is You will be charged $35 an per Overdraft Item Fee for You each will Item be we charged pay (regardless an Overdraft of the Fee amount for each of Item the Item) we pay when (regardless your Account is overdrawn more than $5 (Maximum after all Items 4 per are posted of the to amount the Account. of the An Item) Overdraft when your Fee Account is not charged is overdrawn if your Account more is Business Day) overdrawn by $5 or less after all the Items are posted to the than Account. $5 after all Items are posted to the Account. An Overdraft Fee This fee does not apply to ATM and everyday debit Card is transactions not charged unless if your you Account have authorized is overdrawn us by to pay $5 or these less types after all of the transactions. We do not charge an Overdraft Fee for bank Items fees and are posted service to charges the Account. that overdraw your Account. 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 This to determine fee does if not your apply Account to ATM is overdrawn and everyday includes debit Card all Items transactions (including bank fees unless you have authorized us to pay these types of transactions. We and service charges) that are posted to your Account on the do not same charge Business an Overdraft Day whether Fee for the bank Items fees are and paid service or returned. charges Read that Section 2.C of overdraw your Account. the Consecutive Agreement Day for information on $5 when per Business Items post Day to your You Account. will be charged a Consecutive Day Overdraft Fee for each Overdraft Fee (Maximum 10 for each Business Day your Account is overdrawn in any amount after your Your Account is overdrawn if it has occasion a negative your balance because Account the is available overdrawn funds for 3 in consecutive your Account Business are less Days. than the You amount will be of Account remains the Item(s) presented for payment. The Account balance that we use to determine if your Account is includes all Items overdrawn) charged this fee even if your Account is only overdrawn due to bank (including bank fees fees and service charges. and service charges) that are posted to your Account on the same Business Day whether the Items are paid or returned. Read Section Item Returned 2.C of Fee $35 per Item You will be charged an Item Returned Fee (NSF) each time we the (NSF) Agreement for information on (Maximum when Items 4 post per to your return Account. an Item unpaid because your Account does not have sufficient Business Day) available funds to pay the Item. This fee does not apply to declined Your Account is You will be charged an Overdraft Fee for ATM each and Item everyday we pay (regardless debit Card transactions. of the amount of the Item) when your Account is overdrawn more than $5 after all Items are posted to the Account. An Overdraft Fee is not charged if your Account is overdrawn The customer s by $5 checking or less after account all the balance Items are is $3 posted and two to the checks Account. are presented for payment: (i) a $4 check and (ii) a $2,000 This check. fee The does account not apply does to not ATM have and enough everyday money debit to Card pay transactions either check. unless BMO you Harris have considers authorized the account us to pay balance these types at the of end of transactions. the day to be We -$2,001 do not to charge determine an Overdraft whether to Fee charge for bank Overdraft fees and Fee. service BMO charges Harris that then overdraw uses its discretion your Account. to pay the $4 check overdrawn and return the if it has $2,000 a negative check unpaid. balance The because account the is available charged funds a $35 in Overdraft your Account Fee for are the less $4 than check the and amount a $35 of Item the Returned Item(s) Fee presented (NSF) for the for payment. $2,000 check. The Account The account balance balance that we is -$71 use after to determine the $4 check if your is Account paid, the is $2,000 overdrawn check includes is returned all Items unpaid (including and the bank $35 Overdraft fees Fee and $35 Item Returned Fee are charged to the account. and service charges) that are posted to your Account on the same Business Day whether the Items are paid or returned. Read Section The customer 2.C of does not add any money to the account for the next 3 weeks. As a result of having a negative balance, the the account Agreement is charged for information a $5 Consecutive when Day Items Overdraft post to Fee your for Account. ten (10) Business Days beginning on the 4th Business Day. The account is not charged a Consecutive Day Overdraft Fee on the 1st, 2nd, or 3rd Business Days because BMO Harris does not charge the Consecutive Day Overdraft Fee until the fourth (4) consecutive Business Day an account is overdrawn. The account is not charged a Consecutive Day Overdraft Fee after the 13th Business Day because BMO Harris only charges up to ten (10) Consecutive Day Overdraft Fees for each occasion an account remains overdrawn. The customer s account is charged a total of $50 in Consecutive Day Overdraft Fees for this occasion. Overdraft Services Overdraft Program for ATM and Everyday Debit Card Transactions Overdraft Protection Services You can ask us to use our discretion to pay ATM and everyday debit Card transactions when you do not have enough money available in your Account to pay the transaction and associated fees. The Overdraft Fee and Consecutive Day Overdraft Fee apply to this program. If you opt-in, you can change your mind at any time. We offer Overdraft Funding and an Overdraft Protection Line of Credit¹, both of which may be less expensive than overdraft and item returned fees. In order to have Overdraft Funding, you must enroll in this service. In order to have an Overdraft Protection Line of Credit, you must apply and qualify. Talk to your BMO Harris Banker for details. 1 Lines of credit are subject to bank and credit approval. 2 of 4

11 Getting to know your Account Processing Policies and Dispute Resolution Processing Policies Posting order (the order in which Items are credited or debited) Funds availability summary We post transactions in the following order at the end of each Business Day: 1. Deposits and other credits received prior to the cutoff times. 2. ATM withdrawals and non-returnable 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. Wire transfers, electronic Direct Deposits and cash deposited into this Account at a BMO Harris branch Same day availability Checks deposited into this Account at a BMO Harris branch and deposits made at BMO Harris ATMs (cash or check) Next day availability 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. Read the BMO Harris Mobile Banking End User Terms for information on funds availability for mobile deposits. Dispute Resolution This Account is subject to the arbitration provision set forth in Section 7.FF of the Agreement. Getting to know your Account Waivers Monthly Maintenance Fee Waiver We will not charge the $25 monthly maintenance fee when the minimum daily Ledger Balance in this Account is $25,000 or more for the statement period. We will also not charge this fee each month that you meet ANY ONE of the following requirements for the statement period if you have requested that waiver from your BMO Harris Banker: You have requested we link this Account to receive benefits under Relationship Waiver and you have met the $25,000 Combined Balance requirement for this Account. You are timely paying a BMO Harris consumer mortgage loan in accordance with the terms of your agreement using Auto Pay from this Account. 1 (FHA mortgage loans do not qualify for this fee waiver.) You are timely paying a BMO Harris consumer or small business loan, line of credit in accordance with the terms of your agreement. 1-2 You maintain a BMO Harris Financial Advisors, Inc. investment account in accordance with the terms of the investment account agreement. 3 You are a Work Bank Live client. Other Fee Waivers Relationship Waiver Offers Purchase fees are waived for money orders and Travelers Cheques (American Express ). 4 Overdraft Funding Transfer Fees are waived for transfers into this Account. Relationship Waiver is a special feature of this Account. In addition to waiving the monthly maintenance fee on this Account, we will also waive the monthly maintenance fee on the following Accounts if this Account meets the $25,000 Combined Balance requirement and you have requested we link these Accounts to this Account to receive this benefit: Two (2) BMO Harris Everyday Checking accounts AND Four (4) accounts in total that can be either Statement Savings and/or BMO Harris Select Money Market accounts Ask your BMO Harris Banker for additional information, as well as to request Relationship Waiver and to link your Accounts. We do not automatically link your Accounts. Additional information on Relationship Waiver can be found in Section 7.L of the Agreement. 1 Loans and lines of credit are subject to bank and credit approval. 2 A BMO Harris small business loan must be made to an Account Owner s for-profit sole proprietorship or partnership (as stated on the assumed name certificate or partnership agreement). Mortgage loans, overdraft protection lines of credit and loans to non-profit organizations do not qualify. 3 The Account Owner must also be an owner of the BMO Harris Financial Advisors, Inc. investment account. Securities, investment advisory services and insurance products are offered through BMO Harris Financial Advisors, Inc. Member FINRA-SIPC. SEC-registered investment advisor. BMO Harris Financial Advisors, Inc. and BMO Harris Bank N.A. are affiliated companies. Securities and insurance products offered are: NOT A DEPOSIT NOT INSURED BY THE FDIC OR ANY FEDERAL GOVERNMENT AGENCY NOT GUARANTEED BY ANY BANK MAY LOSE VALUE. 4 American Express is a registered trademark of American Express Marketing and Development Corp. in the U.S. and other countries. 3 of 4

12 Bank Fee Schedule FREE Services for BMO Harris Customers BMO Harris ATM Card BMO Harris ATM Transactions BMO Harris Bank by Phone SM BMO Harris Bill Pay 1 BMO Harris Debit Card BMO Harris Mobile Banking SM2 BMO Harris Online Banking Miscellaneous Fees 3 Customers Only BMO Harris Total Look Coin Counting (under $100) Combined Statement Debit or ATM Card Point-of-Sale (POS) Transactions Wire Transfers (Incoming) Account Balancing / Research... $40 per hour, $15 minimum Account Activity Printout... $5.00 Photocopies of Canceled Checks...First three (3) Checks FREE; $5.00 for each additional Check BMO Harris Bill Pay Expedited Payment...up to $15.00 BMO Harris Gift Card... $4.00 Cashier s Checks... $5.00 Effective 9/8/2014, this fee will be increased to $10.00 Coin Counting ($100 and over)... 1% of total amount or $5.00, whichever is greater Collection Item (Bond, Note, Sight Draft, Check): Coupon Collection... $10.00 per envelope Domestic Collection... $ cost 4 Foreign Collection...$ cost 4 Deluxe Check Orders...varies by account type and style Deposited Item Returned 5... $12.00 each Duplicate Statement... $5.00 each Fax Services: First Page... $5.00 Each Additional Page... $1.00 Hold Mail... $5.00 per month Legal Document Processing: Citations, Garnishments, Levies and Other Court Orders... up to $ Retrieval Fee for Legal Documents in Storage... up to $50.00 Money Orders ($1,000 maximum)... $5.00 Overdraft Funding Transfer Fee 6...$10.00 per transfer Maximum one (1) transfer fee per Business Day Miscellaneous Fees 3 Customers Only, cont. Photocopies: First Page...FREE Each Additional Page...$0.50 Special Letters (Immigration, Verification of Deposit, etc.)...$10.00 Temporary Checks (only sold in sets of 3)...$3.00 per set Travelers Cheques (American Express ) 7...2% of total Verification of Deposit Form from Third Party... $5.00 Wire Transfers (Outgoing): Domestic... $25.00 each International... $45.00 each Non-Customer Fees Cashing Checks Drawn on BMO Harris... $10.00 per Check (for Checks $50 or more) Photocopies...$1.00 each page Debit and ATM Card Fees BMO Harris ATM Mini-Statement Purchase... $1.00 Debit or ATM Card Expedited Delivery... $30.00 Debit or ATM Card Replacement....$5.00 Foreign Transaction Fee % of the transaction amount Read the Deposit Account Disclosure for additional fees and fee waivers that may apply to your Account. The tiers are as follows: 1 $0.01 BMO - Harris $9, Bill Pay services are free unless you request an expedited payment. 2 $10,000 Message - $24, and data rates may apply. Contact your wireless carrier for details. 3 $25,000 - $49, Some services not available at all locations. $50,000 or more 4 Cost may include additional correspondent bank fees, collecting bank fees, communication fees, messenger fees and any other costs incurred. See the accompanying Interest Rate Sheet for current interest rates. 5 ees Includes and fee Items waivers deposited that may by any apply method to your including Account. with a BMO Harris Teller or Customer Service Representative, by mail, depository or BMO Harris ATM. 6 Only applicable to checking and money market checking accounts. 7 American Express is a registered trademark of American Express Marketing and Development Corp. in the U.S. and other countries. 8 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 purchase a Cardholder makes remotely from the United States, whether or not a currency conversion is required. BMO Harris Bank and BMO Harris are trade names used by BMO Harris Bank N.A. Member FDIC BMO Harris Bank N.A. 4 of 4 bmoharris.com /14

13 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. Getting to know your Account the basics Account Opening and Usage Minimum deposit needed to open Account $100 Monthly maintenance fee Pays interest Stop payment fee Account closing fee $8 with Direct Deposit $10 without Direct Deposit NO $35 $50 We charge this fee on the last day of the statement period. To be charged the $8 fee, the Direct Deposit must occur during the statement period. Per request or renewal. If closed within 90 days of Account opening. Certain ATM Fees BMO Harris ATMs FREE For deposits, withdrawals, transfers or balance inquiries. Non-BMO Harris ATMs $2.50 We charge this fee for each Non-BMO Harris ATM Transaction. The ATM operator or network may also charge you a fee for a transaction or balance inquiry. Statements We will send you statements monthly. We will send you Check Images with your statement if you request them. We will charge you a $3 fee each statement period your Account is enrolled in this service even if there are no Check Images for your Account for a particular statement period. This fee will appear as IMG STMT SURCHARGE on your statement. The fee will be waived if you select to only receive online statements through BMO Harris Online Banking and not paper statements. To receive the waiver, you must (1) be enrolled in BMO Harris Online Banking and (2) change your Statement Preferences in BMO Harris Online Banking to Electronic Only for this Account. Check Orders One (1) free welcome package of checks. The price for other check orders varies by check style. 1 of 3

14 Getting to know your Account Insufficient Funds and Overdrafts If you do not have sufficient available funds in this Account, we will use our discretion to return as unpaid: 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 Fees 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. Read Section 2.C of the Agreement for information on when Items post to your Account. Overdraft Protection Service Item Returned Fee $35 per Item You will be charged an Item Returned Fee (NSF) each time we return Your (NSF) Account is You will be charged (Maximum an Overdraft 4 per Fee for each Item we pay (regardless of the amount of the Item) when your an Item unpaid because your Account does not have sufficient available Account is overdrawn more than Business $5 after all Day) Items are posted to the Account. An Overdraft Fee is not charged if your Account is funds to pay the Item. This fee does not apply to declined ATM and overdrawn by $5 or less after all the Items are posted to the Account. everyday debit Card transactions. This fee does not apply to ATM and everyday debit Card transactions unless you have authorized us to pay these types of transactions. We offer Overdraft We do Funding, not charge which an Overdraft may be less Fee expensive for bank fees than and item service returned charges fees. In that order overdraw to have your Overdraft Account. Funding, you must overdrawn enroll in this if service. it has a negative Talk to your balance BMO because Harris Banker the available for details. 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. Read Posting order We post transactions in the following order at the end of each Business Day: Section 2.C of (the order in which Items 1. Deposits and other credits received prior to the cutoff times. the Agreement for information on when Items post to your Account. are credited or debited) 2. ATM withdrawals and non-returnable debits. 3. POS transactions using your Card. Your Account is overdrawn if it has 4. a ACH negative transactions. balance because the available funds in your Account are less than the amount of the Item(s) presented for payment. 5. The Checks. Account balance that we use to determine if your Account is overdrawn includes all Items (including bank fees 6. Bank-generated transactions, including fees, interest and surcharge rebates. and service charges) that are posted to your Account on the same Business Day whether the Items are paid or returned. Read For more details and to read an example, see Section 2.C of the Agreement. Section 2.C of Funds the Agreement availability for summary information on when Wire transfers, Items post electronic to your Account. Direct Deposits and cash deposited into this Account at a BMO Harris branch Your Account is You will be charged an Same Overdraft day availability Fee for each Item we pay (regardless of the amount of the Item) when your Account is overdrawn more than $5 Checks after all deposited Items are into posted this Account to the Account. at a BMO An Harris Overdraft branch Fee and is not deposits charged made if your at BMO Account Harris overdrawn by $5 or less after all the ATMs Items (cash are posted or check) to the Account. This fee does not apply to ATM and everyday Next debit availability Card transactions unless you have authorized us to pay these types of transactions. We do not charge an This Overdraft represents Fee our for general bank fees policy and but service longer charges delays that may overdraw apply. For your specific Account. details, including overdrawn if it has a negative balance when Items because are the considered available received, funds in your see the Account Funds are Availability less than Policy the amount for Deposit of the Accounts Item(s) in presented for payment. The Account Section balance 8 of the that Agreement. we use to determine Read the BMO if your Harris Account Mobile is overdrawn Banking End includes User all Terms Items for (including bank fees information on funds availability for mobile deposits. and service charges) that are posted to your Account on the same Business Day whether the Items are paid or returned. Read This Section Account 2.C of is subject to the arbitration provision set forth in Section 7.FF of the Agreement. the Agreement for information on when Items post to your Account. Getting to know your Account Processing Policies and Dispute Resolution Processing Policies Dispute Resolution 2 of 3

15 Bank Fee Schedule FREE Services for BMO Harris Customers BMO Harris ATM Card BMO Harris ATM Transactions BMO Harris Bank by Phone SM BMO Harris Bill Pay 1 BMO Harris Debit Card BMO Harris Mobile Banking SM2 BMO Harris Online Banking Miscellaneous Fees 3 Customers Only BMO Harris Total Look Coin Counting (under $100) Combined Statement Debit or ATM Card Point-of-Sale (POS) Transactions Wire Transfers (Incoming) Account Balancing / Research... $40 per hour, $15 minimum Account Activity Printout... $5.00 Photocopies of Canceled Checks... First three (3) Checks FREE; $5.00 for each additional Check BMO Harris Bill Pay Expedited Payment...up to $15.00 BMO Harris Gift Card... $4.00 Cashier s Checks... $5.00 Effective 9/8/2014, this fee will be increased to $10.00 Coin Counting ($100 and over)... 1% of total amount or $5.00, whichever is greater Collection Item (Bond, Note, Sight Draft, Check): Coupon Collection... $10.00 per envelope Domestic Collection... $ cost 4 Foreign Collection... $ cost 4 Deluxe Check Orders...varies by account type and style Deposited Item Returned 5... $12.00 each Duplicate Statement... $5.00 each Fax Services: First Page... $5.00 Each Additional Page... $1.00 Hold Mail... $5.00 per month Legal Document Processing: Citations, Garnishments, Levies and Other Court Orders... up to $ Retrieval Fee for Legal Documents in Storage... up to $50.00 Money Orders ($1,000 maximum)... $5.00 Overdraft Funding Transfer Fee 6... $10.00 per transfer Maximum one (1) transfer fee per Business Day Miscellaneous Fees 3 Customers Only, cont. Photocopies: First Page...FREE Each Additional Page...$0.50 Special Letter (Immigration, Verification of Deposit, etc.)...$10.00 Temporary Checks(only sold in sets of 3).. $3.00 per set Travelers Cheques (American Express ) 7...2% of total Verification of Deposit Form from Third Party... $5.00 Wire Transfers (Outgoing): Domestic... $25.00 each International... $45.00 each Non-Customer Fees Cashing Checks Drawn on BMO Harris... $10.00 per Check (for Checks $50 or more) Photocopies...$1.00 each page Debit and ATM Card Fees BMO Harris ATM Mini-Statement Purchase... $1.00 Debit or ATM Card Expedited Delivery... $30.00 Debit or ATM Card Replacement... $5.00 Foreign Transaction Fee % of the transaction amount Read the Deposit Account Disclosure for additional fees and fee waivers that may apply to your Account. The tiers are as follows: $ $9, BMO Harris Bill Pay services are free unless you request an expedited payment. $10,000 - $24, Message and data rates may apply. Contact your wireless carrier for details. $25,000 - $49, $50,000 Some services or more not available at all locations. 4 See Cost the may accompanying include additional Interest correspondent Rate Sheet for bank current fees, interest collecting rates. bank fees, communication fees, messenger fees and any other costs incurred. 5 ees Includes and fee Items waivers deposited that may by any apply method to your including Account. with a BMO Harris Teller or Customer Service Representative, by mail, depository or BMO Harris ATM. 6 Only applicable to checking and money market checking accounts. 7 American Express is a registered trademark of American Express Marketing and Development Corp. in the U.S. and other countries. 8 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 purchase a Cardholder makes remotely from the United States, whether or not a currency conversion is required. BMO Harris Bank and BMO Harris are trade names used by BMO Harris Bank N.A. Member FDIC BMO Harris Bank N.A. 3 of 3 bmoharris.com /14

16 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. Getting to know your Account the basics Account Opening and Usage Minimum deposit needed to open Account $100 Monthly maintenance fee $5 Pays interest YES We charge this fee on the last calendar day of the month (or on the statement period date if this Account receives benefits under Relationship Waiver) if you do not meet any one of the waiver requirements listed on page 2. 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. The tiers are as follows: $ $2, $2,500 - $9, $10,000 - $24, $25,000 or more Call or visit a BMO Harris branch for a current Interest Rate Sheet. Current interest rates are also available online at bmoharris.com. Interest compounding and crediting Interest will be compounded daily on the Collected Balance and credited to this Account quarterly on the last calendar day of the quarter. Balance computation method and interest accrual 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. Account closing fee $50 If closed within 90 days of Account opening. Transaction Limitations Deposits of any amount are allowed at any time. By federal regulation, withdrawals or transfers from savings 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 and mailed to you. Transfers to repay loans at BMO Harris are also unlimited. All other withdrawals or transfers, including those made by POS transactions, ACH, wire, automated telephone banking and online banking are limited to a combined total of six (6) per month or monthly statement period. Transactions that exceed the limit will not be allowed. Certain ATM Fees Statements BMO Harris ATMs Non-BMO Harris ATMs FREE $2.50 For deposits, withdrawals, transfers or balance inquiries. We charge this fee for each Non-BMO Harris ATM Transaction. The ATM operator or network may also charge you a fee for a transaction or balance inquiry. We will send you statements quarterly. If you link this Account to receive benefits under Relationship Waiver, the statement period date and frequency for this Account will change to be the same statement period as the BMO Harris Select Checking or BMO Harris Portfolio Checking to which this Account is linked. 1 of 3

17 Getting to know your Account Processing Policies and Dispute Resolution Processing Policies Posting order (the order in which Items are credited or debited) Funds availability summary We post transactions in the following order at the end of each Business Day: 1. Deposits and other credits received prior to the cutoff times. 2. ATM withdrawals and non-returnable 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. Wire transfers, electronic Direct Deposits and cash deposited into this Account at a BMO Harris branch Same day availability Checks deposited into this Account at a BMO Harris branch and deposits made at BMO Harris ATMs (cash or check) Next day availability 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. Read the BMO Harris Mobile Banking End User Terms for information on funds availability for mobile deposits. Dispute Resolution This Account is subject to the arbitration provision set forth in Section 7.FF of the Agreement. Getting to know your Account Waivers Monthly Maintenance Fee Waiver We will not charge the $5 monthly maintenance fee if ANY ONE of the following occurs: The minimum daily Ledger Balance in this Account is $500 or more for the month. The Primary Account Owner is under 18 years of age on the day the fee is to be assessed. We will also not charge this fee each month that you meet ANY ONE of the following requirements for the month if you have requested that waiver from your BMO Harris Banker: A minimum $25 Auto Save transfer into this Account occurs during each month. This fee waiver will only apply for one of the periods listed below per Account and only so long as a minimum $25 Auto Save transfer into this Account occurs each month during the period. Auto Save transfers requested: 1. After November 1, 2013 will waive the monthly maintenance fee on this Account for two (2) years after the Auto Save is established. 2. Between June 30, 2012 and November 1, 2013 will waive the monthly maintenance fee on this Account until November 30, This does not apply to you if you opened your Account before October 6, 2012 at a legacy Harris location in Florida or Arizona. 3. Prior to June 30, 2012 will continue to waive the monthly maintenance fee until the Auto Save transfers are canceled. This does not apply to you if you opened your Account before October 6, 2012 at a legacy Harris location in Florida or Arizona. Your BMO Harris Select Checking account meets its $10,000 minimum Combined Balance requirement, and you have requested we link this Account to your BMO Harris Select Checking account to receive benefits under Relationship Waiver. (Monthly maintenance fee waiver is limited to a total of two (2) accounts that can be either Statement Savings and/or BMO Harris Select Money Market accounts.) Your BMO Harris Portfolio Checking account meets its $25,000 minimum Combined Balance requirement, and you have requested we link this Account to your BMO Harris Portfolio Checking account to receive benefits under Relationship Waiver. (Monthly maintenance fee waiver is limited to a total of four (4) accounts that can be either Statement Savings and/or BMO Harris Select Money Market accounts.) Effective October 1, 2014 your Wealth Checking account meets its $25,000 minimum Average Daily Balance requirement, and you have requested we link this Account to your Wealth Checking account to receive benefits under Relationship Waiver. (Monthly maintenance fee waiver is limited to a total of four (4) accounts that can be either Statement Savings and/or BMO Harris Select Money Market accounts.) If you link this Account to receive benefits under Relationship Waiver all references above to month mean statement period. Ask your BMO Harris Banker for additional information, as well as to request Relationship Waiver and to link your Accounts. We do not automatically link your Accounts. Additional information on Relationship Waiver can be found in Section 7.L of the Agreement. 2 of 3

18 Bank Fee Schedule FREE Services for BMO Harris Customers BMO Harris ATM Card BMO Harris ATM Transactions BMO Harris Bank by Phone SM BMO Harris Bill Pay 1 BMO Harris Debit Card BMO Harris Mobile Banking SM2 BMO Harris Online Banking Miscellaneous Fees 3 Customers Only BMO Harris Total Look Coin Counting (under $100) Combined Statement Debit or ATM Card Point-of-Sale (POS) Transactions Wire Transfers (Incoming) Account Balancing / Research... $40 per hour, $15 minimum Account Activity Printout... $5.00 Photocopies of Canceled Checks... First three (3) Checks FREE; $5.00 for each additional Check BMO Harris Bill Pay Expedited Payment...up to $15.00 BMO Harris Gift Card... $4.00 Cashier s Checks... $5.00 Effective 9/8/2014, this fee will be increased to $10.00 Coin Counting ($100 and over)... 1% of total amount or $5.00, whichever is greater Collection Item (Bond, Note, Sight Draft, Check): Coupon Collection... $10.00 per envelope Domestic Collection... $ cost 4 Foreign Collection... $ cost 4 Deluxe Check Orders...varies by account type and style Deposited Item Returned 5... $12.00 each Duplicate Statement... $5.00 each Fax Services: First Page... $5.00 Each Additional Page... $1.00 Hold Mail... $5.00 per month Legal Document Processing: Citations, Garnishments, Levies and Other Court Orders...up to $ Retrieval Fee for Legal Documents in Storage...up to $50.00 Money Orders ($1,000 maximum)... $5.00 Overdraft Funding Transfer Fee 6... $10.00 per transfer Maximum one (1) transfer fee per Business Day Miscellaneous Fees 3 Customers Only, cont. Photocopies: First Page...FREE Each Additional Page...$0.50 Special Letter (Immigration, Verification of Deposit, etc.)...$10.00 Temporary Checks (only sold in sets of 3)..$3.00 per set Travelers Cheques (American Express ) 7...2% of total Verification of Deposit Form from Third Party... $5.00 Wire Transfers (Outgoing): Domestic... $25.00 each International... $45.00 each Non-Customer Fees Cashing Checks Drawn on BMO Harris... $10.00 per Check (for Checks $50 or more) Photocopies...$1.00 each page Debit and ATM Card Fees BMO Harris ATM Mini-Statement Purchase... $1.00 Debit or ATM Card Expedited Delivery... $30.00 Debit or ATM Card Replacement... $5.00 Foreign Transaction Fee % of the transaction amount Read the Deposit Account Disclosure for additional fees and fee waivers that may apply to your Account. The tiers are as follows: 1 $0.01 BMO - Harris $9, Bill Pay services are free unless you request an expedited payment. 2 $10,000 Message - $24, and data rates may apply. Contact your wireless carrier for details. 3 $25,000 Some services - $49, not available at all locations. 4 $50,000 or more Cost may include additional correspondent bank fees, collecting bank fees, communication fees, messenger fees and any other costs incurred. See the accompanying Interest Rate Sheet for current interest rates. 5 Includes Items deposited by any method including with a BMO Harris Teller or Customer Service Representative, by mail, depository or BMO Harris ees ATM. and fee waivers that may apply to your Account. 6 Only applicable to checking and money market checking accounts. 7 American Express is a registered trademark of American Express Marketing and Development Corp. in the U.S. and other countries. 8 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 purchase a Cardholder makes remotely from the United States, whether or not a currency conversion is required. BMO Harris Bank, BMO Harris and Harris are trade names used by BMO Harris Bank N.A. Member FDIC BMO Harris Bank N.A. 3 of 3 bmoharris.com /14

19 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. Getting to know your Account the basics Account Opening and Usage Minimum deposit needed $1,000 to open Account Monthly maintenance fee $15 Pays interest YES We charge this fee on the last day of the statement period if you do not meet any one of the waiver requirements listed on page 3. 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. The tiers are as follows: $0.01-$4, $5,000-$9, $10,000-$24, $25,000-$49, $50,000-$99, $100,000 or more Call or visit a BMO Harris branch for a current Interest Rate Sheet. Current interest rates are also available online at bmoharris.com. Interest compounding and crediting Balance computation method and interest accrual Stop payment fee Account closing fee Transaction Limitations Interest will be compounded daily on the Collected Balance and credited to this Account monthly on the statement period date. 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. $35 $50 Per request or renewal. If closed within 90 days of Account opening. Deposits of any amount are allowed at any time. By federal regulation, 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 and mailed to you. Transfers to repay loans at BMO Harris are also unlimited. Certain ATM Fees Statements Other fees BMO Harris ATMs Non-BMO Harris ATMs All other withdrawals or transfers, including those made by check, POS transactions, ACH, wire, automated telephone banking and online banking are limited to a combined total of six (6) per month or monthly statement period. A $10 charge will be assessed for each transaction that exceeds the Transaction Limitations described above. FREE $2.50 For deposits, withdrawals, transfers or balance inquiries. We charge this fee for each Non-BMO Harris ATM Transaction. The ATM operator or network may also charge you a fee for a transaction or balance inquiry. We will send you statements with Check Images monthly. Contact us to request Check Images if you are not currently receiving them. If you link this Account to receive benefits under Relationship Waiver, the statement period date will change to be the same statement period as the BMO Harris Select Checking, BMO Harris Portfolio Checking, or Wealth Checking account to which this Account is linked. 1 of 4

20 Getting to know your Account Insufficient Funds and Overdrafts 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. ATM and everyday debit Card transactions that may overdraw this Account will be declined unless you select the Overdraft Program for ATM and Everyday Debit Card Transactions described below. Below are fees that may be charged if you do not have sufficient available funds in your Account. Overdraft and Item Returned Fees Example for Illustrative Purposes 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. Read Section 2.C of the Agreement for information on when Items post to your Account. Overdraft Fee $35 per Item You will be charged an Overdraft Fee for each Item we pay (regardless Your Account is You will be charged an Overdraft Fee for each Item we pay (regardless of the amount of the Item) when your (Maximum 4 per of the amount of the Item) when your Account is overdrawn more Account is overdrawn more than Business $5 after all Day) Items are posted to the Account. An Overdraft Fee is not charged if your Account is than $5 after all Items are posted to the Account. An Overdraft Fee overdrawn by $5 or less after all the Items are posted to the Account. is not charged if your Account is overdrawn by $5 or less after all the This fee does not apply to ATM and everyday debit Card transactions unless you have authorized us to pay these types of Items are posted to the Account. transactions. We do not charge an Overdraft Fee for bank fees and service charges that overdraw your Account. overdrawn if it has a negative balance because the available funds in your Account are less than the amount of the Item(s) This fee does not apply to ATM and everyday debit Card transactions presented for payment. The Account balance that we use to determine if your Account is overdrawn includes all Items (including unless you have authorized us to pay these types of transactions. We bank fees do not charge an Overdraft Fee for bank fees and service charges that and service charges) that are posted to your Account on the same Business Day whether the Items are paid or returned. Read overdraw your Account. Section 2.C of the Consecutive Agreement Day for information on $5 when per Business Items post Day to your You Account. will be charged a Consecutive Day Overdraft Fee for each Overdraft Fee (Maximum 10 for each Business Day your Account is overdrawn in any amount after your Your Account is overdrawn if it has occasion a negative your balance because Account the is overdrawn available funds for 3 in consecutive your Account Business are less Days. than You the amount will be of the Item(s) presented for payment. Account The Account remains balance charged that we use this fee to determine even if your if your Account Account is only is overdrawn includes due to bank all Items overdrawn) (including bank fees fees and service charges. and service charges) that are posted to your Account on the same Business Day whether the Items are paid or returned. Read Section Item Returned 2.C of Fee $35 per Item You will be charged an Item Returned Fee (NSF) each time we the (NSF) Agreement for information on (Maximum when Items 4 per post to your Account. return an Item unpaid because your Account does not have sufficient Business Day) available funds to pay the Item. This fee does not apply to declined Your Account is You will be charged an Overdraft Fee for ATM each and Item everyday we pay debit (regardless Card transactions. of the amount of the Item) when your Account is overdrawn more than $5 after all Items are posted to the Account. An Overdraft Fee is not charged if your Account is overdrawn The customer s by $5 checking or less after account all the balance Items are is $3 posted and two to the checks Account. are presented for payment: (i) a $4 check and (ii) a $2,000 This check. fee The does account not apply does to ATM not have and enough everyday money debit to Card pay transactions either check. unless BMO you Harris have considers authorized the us account to pay balance these types at the of end transactions. of the day to be We -$2,001 do not charge to determine an Overdraft whether Fee to charge for bank an fees Overdraft and service Fee. BMO charges Harris that then overdraw uses its your discretion Account. to pay the $4 overdrawn check and return if it has the a negative $2,000 check balance unpaid. because The the account available is charged funds in a your $35 Overdraft Account are Fee less for the than $4 the check amount and of a the $35 Item(s) presented Returned Fee for payment. (NSF) for The the $2,000 Account check. balance The that account we use balance to determine is -$71 if after your the Account $4 check is overdrawn is paid, the includes $2,000 all check Items is (including returned bank unpaid fees and the $35 Overdraft Fee and $35 Item Returned Fee are charged to the account. and service charges) that are posted to your Account on the same Business Day whether the Items are paid or returned. Read Section The customer 2.C of does not add any money to the account for the next 3 weeks. As a result of having a negative balance, the the account Agreement is charged for information a $5 Consecutive on when Day Items Overdraft post to Fee your for Account. ten (10) Business Days beginning on the 4th Business Day. The account is not charged a Consecutive Day Overdraft Fee on the 1st, 2nd, or 3rd Business Days because BMO Harris does not charge the Consecutive Day Overdraft Fee until the fourth (4) consecutive Business Day an account is overdrawn. The account is not charged a Consecutive Day Overdraft Fee after the 13th Business Day because BMO Harris only charges up to ten (10) Consecutive Day Overdraft Fees for each occasion an account remains overdrawn. The customer s account is charged a total of $50 in Consecutive Day Overdraft Fees for this occasion. Overdraft Services Overdraft Program for ATM and Everyday Debit Card Transactions Overdraft Protection Services You can ask us to use our discretion to pay ATM and everyday debit Card transactions when you do not have enough money available in your Account to pay the transaction and associated fees. The Overdraft Fee and Consecutive Day Overdraft Fee apply to this program. If you opt-in, you can change your mind at any time. We offer Overdraft Funding and an Overdraft Protection Line of Credit¹, both of which may be less expensive than overdraft and item returned fees. In order to have Overdraft Funding, you must enroll in this service. In order to have an Overdraft Protection Line of Credit, you must apply and qualify. Talk to your BMO Harris Banker for details. 1 Lines of credit are subject to bank and credit approval. 2 of 4

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