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1. General Information. This bonus offer is valid for new accounts opened April 1, 2020 through December 31, 2020. This bonus offer is not available to existing or closed checking customers of Wintrust Financial Corporation (‘WTFC’) and its subsidiaries or its active employees. Limit 1 Pabst Theater Group gift card (Pabst gift card) per customer, regardless of the number of accounts opened. Your new account must be open, in the same product, and have a balance greater than zero to receive the Pabst gift card. Balance is determined as of the end of each Business Day as the funds currently in your account including deposits and withdrawals made in the Business Day. The $300.00 Pabst gift card is subject to IRS 1099-INT reporting and may be considered income for tax purposes for the tax year in which the Pabst gift card was paid. Terms and conditions for the Pabst gift card can be found here: pabsttheater.org/giftcards. 2. ATM Fees. There is no WTFC transaction charge at any ATM in the Allpoint, ATM Access, MoneyPass, or Sum surcharge-free networks. Other banks outside the network may impose ATM surcharges at their machines. Surcharge fees assessed by owners of other ATMs outside the network will be reimbursed. Reimbursement does not include the 1.10% International Service fee charged for certain foreign transactions conducted outside the continental United States. 3. Bonus Qualifications. (i) Open a new Total Access Checking account; (ii) tell us you are aware of this bonus offer at account opening; (iii) select a Pabst Theater debit card; (iv) you must have a direct deposit made to your account for 2 consecutive calendar months, following the calendar month your account was opened (‘Qualification Period’); and (v) enroll in online banking and activate e-statements for your new account within the Qualification Period. Direct deposit means any payment made by a government agency, employer, or other third party organization which is made via an electronic deposit. A direct deposit does not include teller/ATM/mobile or remote deposits, wire transfers, online banking/telephone transfers between accounts at WTFC, external transfers from other accounts at other financial institutions or ATM/debit card transfers and deposits. After you have completed all the above bonus offer qualifications, we will mail your Pabst gift card within 30 calendar days after the Qualification Period. 4. Account Benefits. Online banking is required to access Mobile banking, and Remote Deposit Capture. Internet/Mobile connectivity is required. Deposits made through Mobile banking or Remote Deposit Capture are subject to deposit limits and funds are typically available by next business day. Deposit limits may change at any time. Third-party message and data rates may apply. Other restrictions apply. For more information go to: www.townbank.us/agreement-and-disclosure.