Deposit Account Disclosure and Bank Fee Schedule. Account opening and usage

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1 BMO Harris Smart Money TM Deposit Account Disclosure and Bank Fee Schedule Account 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 needed to open Account Monthly maintenance fee and waivers Pays interest $25 $5 We charge this fee on the last day of the statement period. This fee is waived if the Primary Account Owner is under 25 years of age on the day the fee is to be assessed. No BMO Harris ATMs and Participating ATMs For deposits, withdrawals, transfers or balance inquiries. All transactions may not be available at all BMO Harris ATMs or at Participating ATMs. Non-BMO Harris ATM Transactions $3 We charge this fee for each Non-BMO Harris ATM Transaction. 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. Statements Check Images $2 for paper statements Or $0 for estatements or if under 25 years of age $3 with paper statements Or $0 with estatements We will send you statements monthly. If you do not select estatements we will charge you a $2 fee each statement period we send you a paper statement. The fee will appear as PAPER STMT FEE on your statement. The fee will be waived if the Primary Account Owner is under 25 years of age or you select to only receive online statements through BMO Harris Online Banking and not paper statements. To receive the online statements 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. 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 IMAGE 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 free welcome package of checks. The price for other check orders varies by check style. BMO Harris Smart Money TM Account PAGE 1 of 3 (12/17)

2 Processing policies and dispute resolution Posting order (the order in which Items are credited or debited) Funds availability summary 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 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. Immediate availability Same day availability Next day availability Cash deposited into this Account. Wire transfers and Direct Deposits into this Account. 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. Read the BMO Harris Mobile Banking End User Terms for information on funds availability for Mobile Deposits. 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 Overdraft Funding Overdraft Protection Line of Credit Money is transferred automatically from your linked BMO Harris savings, money market or other checking Account. Transfers are subject to funds availability and transaction limits. You must speak with your BMO Harris Banker to enroll in this service. For details and fee information, visit bmoharris.com/overdraft. In the event of an overdraft, your line of credit will be accessed automatically up to your available credit limit. You must apply and qualify for the Overdraft Protection Line of Credit, which is subject to bank and credit approval. For details and fee information, visit bmoharris.com/overdraft. BMO Harris Smart Money TM Account PAGE 2 of 3 (12/17)

3 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 BMO Harris ATM and Debit Card BMO Harris ATM Mini-Statement BMO Harris ATM Transactions BMO Harris Bank by Phone BMO Harris Bill Pay BMO Harris Mobile Banking 1 BMO Harris Online Banking BMO Harris Total Look Combined Statement Debit or ATM Card Point-of-Sale (POS) Transactions (excludes expedited payments) Participating ATMs in the U.S. 2 Wire Transfer Incoming Payments and Transfers BMO Harris Bill Pay Expedited Payment Up to $15.00 Overdraft Funding Transfer Fee 3 Wire Transfer Outgoing Domestic 4 $30.00 Wire Transfer Outgoing International 4 $50.00 ATM and Debit Card Debit or ATM Card Expedited Delivery $30.00 Debit or ATM Card Replacement $5.00 Foreign Transaction Fee 2, 5 Checks, Money Orders and Gift Cards BMO Harris Gift Card $4.00 Cashier s Check $10.00 Deluxe Check Orders Money Order ($1,000 maximum) $5.00 Temporary Checks (only sold in sets of three) $10.00 per transfer; maximum one transfer fee per Business Day 3% of the transaction amount Varies by account type and style $3.00 per set Collection Items (Bond, Note, Sight Draft, Check) Coupon Collection $10.00 per envelope Domestic Collection $ cost 6 Foreign Collection $ cost 6 Statement and Account Servicing Account Activity Printout $5.00 Account Balancing / Research Duplicate Statement $5.00 Photocopies of Canceled Checks Miscellaneous Deposited Item Returned 7 $12.00 Special Letter (Immigration, Verification of Deposit, etc.) $40.00 per hour, $15.00 minimum First three Checks are free; $5.00 for each additional $10.00 Verification of Deposit Form from Third Party $5.00 Legal Document Processing Citations, Garnishments, Levies and Other Court Orders Up to $ Retrieval Fee for Legal Documents in Storage Up to $50.00 Non-Customer Check Cashing Cashing a Check of $50 or more Drawn on BMO Harris $10.00 per Check 1 Message and data rates may apply. Contact your wireless carrier for details. 2 Foreign Transaction Fees will apply at BMO branded ATMs and Allpoint ATMs located outside of the United States. 3 Only applicable to checking and money market checking accounts. 4 This fee does not apply to CDs and IRAs. 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 purchase a Cardholder makes remotely from the United States, whether or not a currency conversion is required. 6 Cost may include additional correspondent bank fees, collecting bank fees, communication fees, messenger fees and any other costs incurred. 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 Bank N.A. Member FDIC (12/17) bmoharris.com BMO Harris Smart Money TM Account PAGE 3 of 3 (12/17)

4 BMO Harris Smart Advantage TM 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 needed to open Account Monthly maintenance fee $25 $0 No monthly maintenance fee. Pays interest BMO Harris ATMs and Participating ATMs Non-BMO Harris ATM Transactions No For deposits, withdrawals, transfers or balance inquiries. All transactions may not be available at all BMO Harris ATMs or at Participating ATMs. $3 We charge this fee for each Non-BMO Harris ATM Transaction. 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. Statements Check Images Check orders $2 for paper statements Or $0 for estatements $3 with paper statements Or $0 with estatements We will send you statements monthly. If you do not select estatements we will charge you a $2 fee each statement period we send you a paper statement. The fee will appear as PAPER STMT FEE 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 online statements 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. 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 IMAGE 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. One free welcome package of checks. The price for other check orders varies by check style. BMO Harris Smart Advantage TM Account PAGE 1 of 4 (12/17)

5 Processing policies and dispute resolution 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 (Monday Friday except federal holidays): 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. Immediate availability Same day availability Cash deposited into this Account. 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. 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.EE of the Agreement. BMO Harris Smart Advantage TM Account PAGE 2 of 4 (12/17)

6 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. Overdraft Fee Consecutive Day Overdraft Fee Item Returned Fee (NSF) $36 per Item (No more than four Overdraft Fees and/or Item Returned Fees will be charged per Business Day) $7 per Business Day (Maximum 10 for each occasion your Account remains overdrawn) $36 per Item (No more than four Overdraft Fees and/or Item Returned Fees will be charged per Business Day) You will be charged an Overdraft Fee for each Item we pay (regardless 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 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 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 is overdrawn in any amount after your Account is overdrawn for three consecutive Business Days. You will be charged this fee even if your Account is only overdrawn due to bank fees and service charges. You will be charged an Item Returned Fee (NSF) each time we return an Item unpaid because your Account does not have sufficient available funds to pay the Item. This fee does not apply to declined ATM and everyday debit Card transactions. Optional Overdraft Protection Services These are optional services that may be less expensive than overdraft and item returned fees. Overdraft Funding Overdraft Protection Line of Credit Money is transferred automatically from your linked BMO Harris savings, money market or other checking Account. Transfers are subject to funds availability and transaction limits. You must speak with your BMO Harris Banker to enroll in this service. For details and fee information, visit bmoharris.com/overdraft. In the event of an overdraft, your line of credit will be accessed automatically up to your available credit limit. You must apply and qualify for the Overdraft Protection Line of Credit, which is subject to bank and credit approval. For details and fee information, visit bmoharris.com/overdraft. 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. No overdraft coverage (Default) Opt-in (Overdraft Program for ATM and Everyday Debit Card Transactions) $0 If you do not opt-in, BMO Harris will automatically decline any ATM and everyday debit Card transaction that would overdraw this Account. Because these transactions will be declined, 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 Overdraft Fees and/or Item Returned Fees will be charged per Business Day $7 Consecutive Day Overdraft Fee per Business Day; maximum 10 for each occasion your Account remains overdrawn By opting into this program, you authorize us to use our discretion to pay ATM and everyday debit Card transactions that would overdraw this Account. If you do opt-in, and we use our discretion to pay those transactions, the Overdraft Fee and Consecutive Day Overdraft Fee, described above, will apply to the transactions. You can opt-in to the Overdraft Program for ATM and Everyday Debit Card Transactions or revoke your election by speaking with your BMO Harris Banker or by logging in to BMO Harris Online Banking and modifying the Overdraft Program preferences on your Account. BMO Harris Smart Advantage TM Account PAGE 3 of 4 (12/17)

7 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 BMO Harris ATM and Debit Card BMO Harris ATM Mini-Statement BMO Harris ATM Transactions BMO Harris Bank by Phone BMO Harris Bill Pay BMO Harris Mobile Banking 1 BMO Harris Online Banking BMO Harris Total Look Combined Statement Debit or ATM Card Point-of-Sale (POS) Transactions (excludes expedited payments) Participating ATMs in the U.S. 2 Wire Transfer Incoming Payments and Transfers BMO Harris Bill Pay Expedited Payment Up to $15.00 Overdraft Funding Transfer Fee 3 Wire Transfer Outgoing Domestic 4 $30.00 Wire Transfer Outgoing International 4 $50.00 ATM and Debit Card Debit or ATM Card Expedited Delivery $30.00 Debit or ATM Card Replacement $5.00 Foreign Transaction Fee 2, 5 Checks, Money Orders and Gift Cards BMO Harris Gift Card $4.00 Cashier s Check $10.00 Deluxe Check Orders Money Order ($1,000 maximum) $5.00 Temporary Checks (only sold in sets of three) $10.00 per transfer; maximum one transfer fee per Business Day 3% of the transaction amount Varies by account type and style $3.00 per set Collection Items (Bond, Note, Sight Draft, Check) Coupon Collection $10.00 per envelope Domestic Collection $ cost 6 Foreign Collection $ cost 6 Statement and Account Servicing Account Activity Printout $5.00 Account Balancing / Research Duplicate Statement $5.00 Photocopies of Canceled Checks Miscellaneous Deposited Item Returned 7 $12.00 Special Letter (Immigration, Verification of Deposit, etc.) $40.00 per hour, $15.00 minimum First three Checks are free; $5.00 for each additional $10.00 Verification of Deposit Form from Third Party $5.00 Legal Document Processing Citations, Garnishments, Levies and Other Court Orders Up to $ Retrieval Fee for Legal Documents in Storage Up to $50.00 Non-Customer Check Cashing Cashing a Check of $50 or more Drawn on BMO Harris $10.00 per Check 1 Message and data rates may apply. Contact your wireless carrier for details. 2 Foreign Transaction Fees will apply at BMO branded ATMs and Allpoint ATMs located outside of the United States. 3 Only applicable to checking and money market checking accounts. 4 This fee does not apply to CDs and IRAs. 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 purchase a Cardholder makes remotely from the United States, whether or not a currency conversion is required. 6 Cost may include additional correspondent bank fees, collecting bank fees, communication fees, messenger fees and any other costs incurred. 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 Bank N.A. Member FDIC (12/17) bmoharris.com BMO Harris Smart Advantage TM Account PAGE 4 of 4 (12/17)

8 BMO Harris Premier TM 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 needed to open Account Monthly maintenance fee and waivers $25 $30 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: When the minimum daily Ledger Balance in this Account is $25,000 or more for the statement period. When you meet ANY ONE of the following requirements for the statement period and have requested that waiver from your BMO Harris Banker: You have requested we link this Account to receive benefits under Relationship Waiver 1 and you have met the $50,000 Combined Balance requirement for this Account. You maintain a BMO Harris Financial Advisors, Inc. investment account in accordance with the terms of the investment account agreement. 2 You are a client of our employee benefits program, Best of BMO U.S. Pays interest Yes 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. Interest will be compounded daily on the Collected Balance and credited to this Account monthly on the statement period date. BMO Harris ATMs and Participating ATMs Non-BMO Harris ATM Transactions The tiers are as follows: $0.01 $4, $25,000 $49, $250,000 $499, $5,000 $9, $50,000 $99, $500,000 $999, $10,000 $24, $100,000 $249, $1,000,000 or more For current interest rates, ask your BMO Harris Banker for a current Interest Rate Sheet, call or visit bmoharris.com. For deposits, withdrawals, transfers or balance inquiries. All transactions may not be available at all BMO Harris ATMs or at Participating ATMs. The ATM operator or network may charge you a surcharge fee for a transaction or balance inquiry. Non-BMO Harris ATM surcharge fee rebate We will rebate up to $25 in ATM surcharge fees assessed by the ATM operator or network each statement period. Stop payment fee $35 Per request or renewal. Account closing fee $50 If closed within 90 days of Account opening. BMO Harris Premier TM Account PAGE 1 of 4 (12/17)

9 Statements Check orders Other fee waivers 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 receiving them. One free welcome package of checks AND wallet/duplicate safety paper, free Hubert-style checks and 50% discount on printing charges for certain check styles ordered through BMO Harris. Purchase fees are waived for cashier s checks and money orders. Overdraft Funding Transfer Fees are waived for transfers into this Account. 1 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 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 adviser. BMO Harris Financial Advisors, Inc. and BMO Harris Bank N.A. are affiliated companies. Securities and insurance products offered are: NOT FDIC INSURED - NOT BANK GUARANTEED - NOT A DEPOSIT - MAY LOSE VALUE. 3 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 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 (Monday Friday except federal holidays): 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. Immediate availability Same day availability Cash deposited into this Account. 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. 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.EE of the Agreement. BMO Harris Premier TM Account PAGE 2 of 4 (12/17)

10 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. Overdraft Fee Consecutive Day Overdraft Fee Item Returned Fee (NSF) $36 per Item (No more than four Overdraft Fees and/or Item Returned Fees will be charged per Business Day) $7 per Business Day (Maximum 10 for each occasion your Account remains overdrawn) $36 per Item (No more than four Overdraft Fees and/or Item Returned Fees will be charged per Business Day) You will be charged an Overdraft Fee for each Item we pay (regardless 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 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 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 is overdrawn in any amount after your Account is overdrawn for three consecutive Business Days. You will be charged this fee even if your Account is only overdrawn due to bank fees and service charges. You will be charged an Item Returned Fee (NSF) each time we return an Item unpaid because your Account does not have sufficient available funds to pay the Item. This fee does not apply to declined ATM and everyday debit Card transactions. Optional Overdraft Protection Services These are optional services that may be less expensive than overdraft and item returned fees. Overdraft Funding Overdraft Protection Line of Credit Money is transferred automatically from your linked BMO Harris savings, money market or other checking Account. Transfers are subject to funds availability and transaction limits. The Overdraft Funding Transfer Fee is waived for this Account, but the 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. In the event of an overdraft, your line of credit will be accessed automatically up to your available credit limit. You must apply and qualify for the Overdraft Protection Line of Credit, which is subject to bank and credit approval. For details and fee information, visit bmoharris.com/overdraft. 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. No overdraft coverage (Default) Opt-in (Overdraft Program for ATM and Everyday Debit Card Transactions) $0 If you do not opt-in, BMO Harris will automatically decline any ATM and everyday debit Card transaction that would overdraw this Account. Because these transactions will be declined, 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 Overdraft Fees and/or Item Returned Fees will be charged per Business Day $7 Consecutive Day Overdraft Fee per Business Day; maximum 10 for each occasion your Account remains overdrawn By opting into this program, you authorize us to use our discretion to pay ATM and everyday debit Card transactions that would overdraw this Account. If you do opt-in, and we use our discretion to pay those transactions, the Overdraft Fee and Consecutive Day Overdraft Fee, described above, will apply to the transactions. You can opt-in to the Overdraft Program for ATM and Everyday Debit Card Transactions or revoke your election by speaking with your BMO Harris Banker or by logging in to BMO Harris Online Banking and modifying the Overdraft Program preferences on your Account. BMO Harris Premier TM Account PAGE 3 of 4 (12/17)

11 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 BMO Harris ATM and Debit Card BMO Harris ATM Mini-Statement BMO Harris ATM Transactions BMO Harris Bank by Phone BMO Harris Bill Pay BMO Harris Mobile Banking 4 BMO Harris Online Banking BMO Harris Total Look Combined Statement Debit or ATM Card Point-of-Sale (POS) Transactions (excludes expedited payments) Participating ATMs in the U.S. 5 Wire Transfer Incoming Payments and Transfers BMO Harris Bill Pay Expedited Payment Up to $15.00 Overdraft Funding Transfer Fee 6 Wire Transfer Outgoing Domestic 7 $30.00 Wire Transfer Outgoing International 7 $50.00 ATM and Debit Card Debit or ATM Card Expedited Delivery $30.00 Debit or ATM Card Replacement $5.00 Foreign Transaction Fee 5, 8 Checks, Money Orders and Gift Cards BMO Harris Gift Card $4.00 Cashier s Check $10.00 Deluxe Check Orders Money Order ($1,000 maximum) $5.00 Temporary Checks (only sold in sets of three) $10.00 per transfer; maximum one transfer fee per Business Day 3% of the transaction amount Varies by account type and style $3.00 per set Collection Items (Bond, Note, Sight Draft, Check) Coupon Collection $10.00 per envelope Domestic Collection $ cost 9 Foreign Collection $ cost 9 Statement and Account Servicing Account Activity Printout $5.00 Account Balancing / Research Duplicate Statement $5.00 Photocopies of Canceled Checks Miscellaneous Deposited Item Returned 10 $12.00 Special Letter (Immigration, Verification of Deposit, etc.) $40.00 per hour, $15.00 minimum First three Checks are free; $5.00 for each additional $10.00 Verification of Deposit Form from Third Party $5.00 Legal Document Processing Citations, Garnishments, Levies and Other Court Orders Up to $ Retrieval Fee for Legal Documents in Storage Up to $50.00 Non-Customer Check Cashing Cashing a Check of $50 or more Drawn on BMO Harris $10.00 per Check 4 Message and data rates may apply. Contact your wireless carrier for details. 5 Foreign Transaction Fees will apply at BMO branded ATMs and Allpoint ATMs located outside of the United States. 6 Only applicable to checking and money market checking accounts. 7 This fee does not apply to CDs and IRAs. 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. 9 Cost may include additional correspondent bank fees, collecting bank fees, communication fees, messenger fees and any other costs incurred. 10 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 Bank N.A. Member FDIC (12/17) bmoharris.com BMO Harris Premier TM Account PAGE 4 of 4 (12/17)

12 Statement Savings 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 needed to open Account Monthly maintenance fee and waivers $100 $5 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 1 ) if you do not meet any one of the waiver requirements listed below: 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. You have requested an Auto Save waiver from your BMO Harris Banker and are making a minimum $25 Auto Save transfer into this Account each month during the period below that applies to when Auto Save is established. Waiver only applies for one of the periods listed below: 1. After November 1, 2013 we will waive the monthly maintenance fee on this Account for two years after the Auto Save is established. 2. Prior to June 30, 2012 we 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 1. Monthly maintenance fee waiver is limited to a total of two 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 1. Monthly maintenance fee waiver is limited to a total of four accounts that can be either Statement Savings and/or BMO Harris Select Money Market 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 1. Monthly maintenance fee waiver is limited to a total of four accounts that can be either Statement Savings and/or BMO Harris Select Money Market accounts. Pays interest Yes 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. 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, $5,000 $9,999.99, $10,000 $24,999.99, $25,000 $49,999.99, $50,000 $99,999.99, $100,000 $249,999.99, $250,000 $499,999.99, $500,000 $999,999.99, $1,000,000 or more. For current interest rates, ask your BMO Harris Banker for a current Interest Rate Sheet, call or visit bmoharris.com. Statement Savings PAGE 1 of 3 (12/17)

13 Transaction limitations BMO Harris ATMs and Participating ATMs Non-BMO Harris ATM Transactions Account opening and usage (continued) Deposits of any amount are allowed at any time. 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 to you. We limit all other withdrawals or transfers, including those made by POS transactions, 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. Transactions that exceed the limit will not be allowed. For deposits, withdrawals, transfers or balance inquiries. All transactions may not be available at all BMO Harris ATMs or at Participating ATMs. $3 We charge this fee for each Non-BMO Harris ATM Transaction. 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. If you link this Account to receive benefits under Relationship Waiver 1, the statement period date and frequency for this Account 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 If you link this Account to receive benefits under Relationship Waiver, all references 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 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 Posting order (the order in which Items are credited or debited) Funds availability summary 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 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. Immediate availability Same day availability Next day availability Cash deposited into this Account. Wire transfers and Direct Deposits into this Account. 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. Read the BMO Harris Mobile Banking End User Terms for information on funds availability for Mobile Deposits. This Account is subject to the arbitration provision set forth in Section 7.EE of the Agreement. Statement Savings PAGE 2 of 3 (12/17)

14 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 BMO Harris ATM and Debit Card BMO Harris ATM Mini-Statement BMO Harris ATM Transactions BMO Harris Bank by Phone BMO Harris Bill Pay BMO Harris Mobile Banking 3 BMO Harris Online Banking BMO Harris Total Look Combined Statement Debit or ATM Card Point-of-Sale (POS) Transactions (excludes expedited payments) Participating ATMs in the U.S. 4 Wire Transfer Incoming Payments and Transfers BMO Harris Bill Pay Expedited Payment Up to $15.00 Overdraft Funding Transfer Fee 5 Wire Transfer Outgoing Domestic 6 $30.00 Wire Transfer Outgoing International 6 $50.00 ATM and Debit Card Debit or ATM Card Expedited Delivery $30.00 Debit or ATM Card Replacement $5.00 Foreign Transaction Fee 4,7 Checks, Money Orders and Gift Cards BMO Harris Gift Card $4.00 Cashier s Check $10.00 Deluxe Check Orders Money Order ($1,000 maximum) $5.00 Temporary Checks (only sold in sets of three) $10.00 per transfer; maximum one transfer fee per Business Day 3% of the transaction amount Varies by account type and style $3.00 per set Collection Items (Bond, Note, Sight Draft, Check) Coupon Collection $10.00 per envelope Domestic Collection $ cost 8 Foreign Collection $ cost 8 Statement and Account Servicing Account Activity Printout $5.00 Account Balancing / Research Duplicate Statement $5.00 Photocopies of Canceled Checks Miscellaneous Deposited Item Returned 9 $12.00 Special Letter (Immigration, Verification of Deposit, etc.) $40.00 per hour, $15.00 minimum First three Checks are free; $5.00 for each additional $10.00 Verification of Deposit Form from Third Party $5.00 Legal Document Processing Citations, Garnishments, Levies and Other Court Orders Up to $ Retrieval Fee for Legal Documents in Storage Up to $50.00 Non-Customer Check Cashing Cashing a Check of $50 or more Drawn on BMO Harris $10.00 per Check 3 Message and data rates may apply. Contact your wireless carrier for details. 4 Foreign Transaction Fees will apply at BMO branded ATMs and Allpoint ATMs located outside of the United States. 5 Only applicable to checking and money market checking accounts. 6 This fee does not apply to CDs and IRAs. 7 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. 8 Cost may include additional correspondent bank fees, collecting bank fees, communication fees, messenger fees and any other costs incurred. 9 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 Bank N.A. Member FDIC (12/17) bmoharris.com Statement Savings PAGE 3 of 3 (12/17)

15 BMO Harris Select Money Market 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 needed to open Account Monthly maintenance fee and waivers $1,000 $15 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: The minimum daily Ledger Balance in this Account is $2,500 or more for the statement period. You have requested an Auto Save waiver from your BMO Harris Banker and are making a minimum $100 Auto Save transfer into this Account each month during the period below that applies to when Auto Save is established. Waiver only applies for one of the periods listed below: 1. After November 1, 2013 we will waive the monthly maintenance fee on this Account for two years after the Auto Save is established. 2. Prior to June 30, 2012 we 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 1. Monthly maintenance fee waiver is limited to a total of two 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 1. Monthly maintenance fee waiver is limited to a total of four accounts that can be either Statement Savings and/or BMO Harris Select Money Market 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 1. Monthly maintenance fee waiver is limited to a total of four accounts that can be either Statement Savings and/or BMO Harris Select Money Market accounts. Pays interest Yes 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. 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, $5,000 $9,999.99, $10,000 $24,999.99, $25,000 $49,999.99, $50,000 $99,999.99, $100,000 $249,999.99, $250,000 $499,999.99, $500,000 $999,999.99, $1,000,000 or more. For current interest rates, ask your BMO Harris Banker for a current Interest Rate Sheet, call or visit bmoharris.com. BMO Harris Select Money Market PAGE 1 of 4 (12/17)

16 Transaction limitations Transaction limitation fee BMO Harris ATMs and Participating ATMs Non-BMO Harris ATM Transactions Account opening and usage (continued) 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 transactions, 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. $15 Assessed for each transaction that exceeds transaction limitations described above. For deposits, withdrawals, transfers or balance inquiries. All transactions may not be available at all BMO Harris ATMs or at Participating ATMs. $3 We charge this fee for each Non-BMO Harris ATM Transaction. Stop payment fee $35 Per request or renewal. 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 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 1, 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 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 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 Posting order (the order in which Items are credited or debited) Funds availability summary 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 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. Immediate availability Same day availability Next day availability Cash deposited into this Account. Wire transfers and Direct Deposits into this Account. 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. Read the BMO Harris Mobile Banking End User Terms for information on funds availability for Mobile Deposits. This Account is subject to the arbitration provision set forth in Section 7.EE of the Agreement. BMO Harris Select Money Market PAGE 2 of 4 (12/17)