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BMO Harris BankBMO Harris Smart MoneyTM AccountPAGE 1 of 3BMO Harris Smart Money AccountTMDeposit Account Disclosure and Bank Fee ScheduleThis Deposit Account Disclosure and Bank Fee Schedule and the Deposit Account Agreement for Personal and BusinessAccounts (“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 usageMinimum depositneeded to open Account 25Monthly maintenancefee and waivers 5Pays interestNoBMO Harris ATMs andParticipating ATMsFreeNon-BMO Harris ATMTransactions 3Stop payment fee 35Per request or renewal. 2 for paperstatementsWe will send you statements monthly.StatementsOr 0 for paperlessstatements 3 with paperstatementsCheck ImagesOr 0 with paperlessstatementsCheck ordersWe charge this fee on the last day of the statement period. This fee is waived if the Primary AccountOwner is under 25 years of age on the day the fee is to be assessed.For deposits, withdrawals, transfers or balance inquiries. All transactions may not be available at allBMO Harris ATMs or at Participating ATMs.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.We will charge you a 2 paper statement fee each statement period unless you opt to go paperlessthrough your BMO Digital Banking preferences. The fee will appear as “PAPER STMT FEE” on yourstatement.We will send you Check Images with your statement if you request them. We will charge you a 3 feefor this service each statement period even if there are no Check Images for that period unless you optto go paperless through your BMO Digital Banking preferences. This fee will appear as “IMAGE STMTSURCHARGE” on your statement.The price for check orders varies by check style.Continued 2021 BMO Harris Bank N.A. Member FDIC 155 (06/21)

BMO Harris BankBMO Harris Smart MoneyTM AccountPAGE 2 of 3Processing policies and dispute resolutionWe post transactions in the following order at the end of each Business Day (Monday – Friday except federal holidays):Posting order(the order in which Itemsare credited or debited)1.2.3.4.5.6.Deposits and other credits received prior to the cut-off times.ATM withdrawals and certain other debits.POS transactions using your Card.ACH transactions.Checks.Bank generated transactions, including fees, interest and surcharge rebates.For more details and to read an example, see Section 2.C of the Agreement.Funds availabilitysummaryImmediate availabilityCash deposited into this Account.Same day availabilityWire transfers and Direct Deposits into this Account.Next day availabilityChecks deposited into this Account.This represents our general policy but longer delays may apply. For specific details, including when Items are considered received,see the Funds Availability Policy for Deposit Accounts in Section 8 of the Agreement. For Mobile Deposits, if we receive the imageof an Item for deposit on or before 7:00 p.m. Central Time on a Business Day, that day will be the day of deposit. Otherwise, thenext Business Day will be the day of deposit. The first 500 of the deposit will be available one (1) Business Day after the day ofthe deposit. The remainder will be available two (2) Business Days after the day of the deposit.Dispute resolutionThis Account is subject to the arbitration provision set forth in Section 7.EE of the Agreement.Insufficient Funds and OverdraftsYour 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 forpayment. The Account balance that we use to determine if your Account is overdrawn includes all Items (including bank fees and service charges) that areposted 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 whenItems 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 Accountnumber, 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 Itemswe 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 ServicesNew Optional Overdraft Protection Services cannot be added to your BMO Harris Smart Money TM Account after 6/12/21Overdraft FundingMoney is transferred automatically from your linked BMO Harris savings, money market or other checking Account. Transfersare subject to funds availability and transfer limitations. You must speak with your BMO Harris Banker to enroll in this service.Overdraft Protection Lineof CreditIn the event of an overdraft, your line of credit will be accessed automatically up to your available credit limit. You must applyand be approved for the Overdraft Protection Line of Credit.Continued 2021 BMO Harris Bank N.A. Member FDIC 155 (06/21)

BMO Harris BankBMO Harris Smart MoneyTM AccountPAGE 3 of 3Bank Fee ScheduleRead 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 BenefitsCollection Items (Bond, Note, Sight Draft, Check)BMO Digital BankingFreeCoupon Collection 10.00 per envelopeBMO Harris ATM and Debit CardFreeDomestic Collection 15.00 cost6BMO Harris ATM Mini-StatementFreeForeign Collection 45.00 cost6BMO Harris ATM TransactionsFreeStatement and Account ServicingBMO Harris Bank by Phone FreeAccount Activity Printout 5.00BMO Harris Bill Pay Free (excludes expeditedpayments)Account Balancing / Research 40.00 per hour, 15.00 minimumBMO Harris Total Look FreeDuplicate Statement 5.00Combined StatementFreePhotocopies of Canceled ChecksFirst three Checks are free; 5.00 for each additionalDebit or ATM Card Point-of-Sale (POS)TransactionsFreeMiscellaneousParticipating ATMs in the U.S.Free2Deposited Item Returned7 12.00FreeSpecial Letter(Immigration, Verification of Deposit, etc.) 10.00Verification of Deposit Form from Third Party 5.001Payments and TransfersBMO Harris Bill Pay – Expedited PaymentUp to 15.00Legal Document ProcessingOverdraft Funding Transfer Fee3 10.00 per transfer;maximum one transfer feeper Business DayCitations, Garnishments, Levies and OtherCourt OrdersUp to 100.00 30.00Retrieval Fee for Legal Documents in StorageUp to 50.00 50.00Non-Customer Check Cashing Wire Transfer — Outgoing Domestic4Wire Transfer — Outgoing International4Cashing a Check of 50 or more Drawn onBMO HarrisATM and Debit CardDebit or ATM Card Expedited Delivery 30.00Debit or ATM Card Replacement 5.00Foreign Transaction Fee2,52.8% of the transactionamountChecks, Money Orders and Gift Cards 10.00 per CheckMessage and data rates may apply. Contact your wireless carrier for details.1 Foreign Transaction Fees will apply at BMO branded ATMs and Allpoint ATMslocated outside of the United States.2 Only applicable to checking and money market checking accounts.3This fee does not apply to CDs and IRAs.4 This fee will apply to any transaction initiated in a foreign country whetherinitiated by the Cardholder while traveling or by a foreign merchant for a purchasea Cardholder makes remotely from the United States, whether or not a currencyconversion is required. If a currency conversion is required, a Currency ConversionAssessment will be included in the U.S. dollar transaction amount. See theDeposit Account Agreement - Section 9.A.4 for details.5BMO Harris Gift Card 4.00Cashier’s Check 10.00Deluxe Check OrdersVaries by account typeand styleMoney Order ( 1,000 maximum) 5.00 2021 BMO Harris Bank N.A. Member FDIC 155 (06/21) Cost may include additional correspondent bank fees, collecting bank fees,communication fees, messenger fees and any other costs incurred.6 Includes Items deposited by any method, including with a BMO Harris Teller orCustomer Service Representative, by mail, depository or BMO Harris ATM.7bmoharris.com21-1349-ACCWire Transfer — Incoming

BMO Harris BankBMO Harris Smart AdvantageTM AccountPAGE 1 of 4BMO Harris Smart Advantage AccountTMDeposit Account Disclosure and Bank Fee ScheduleThis Deposit Account Disclosure and Bank Fee Schedule and the Deposit Account Agreement for Personal and BusinessAccounts (“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 usageMinimum depositneeded to open Account 25Monthly maintenancefee 0Pays interestNoBMO Harris ATMs andParticipating ATMsFreeNon-BMO Harris ATMTransactions 3Stop payment fee 35Per request or renewal.Account closing fee 50If closed within 90 days of Account opening. 2 for paperstatementsWe will send you statements monthly.StatementsOr 0 for paperlessstatements 3 with paperstatementsCheck ImagesCheck ordersOr 0 withpaperlessstatementsNo monthly maintenance fee.For deposits, withdrawals, transfers or balance inquiries. All transactions may not be available at all BMOHarris ATMs or at Participating ATMs.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.We will charge you a 2 paper statement fee each statement period unless you opt to go paperlessthrough your BMO Digital Banking preferences. The fee will appear as “PAPER STMT FEE” on yourstatement.We will send you Check Images with your statement if you request them. We will charge you a 3 feefor this service each statement period even if there are no Check Images for that period unless you optto go paperless through your BMO Digital Banking preferences. This fee will appear as “IMAGE STMTSURCHARGE” on your statement.The price for check orders varies by check style. 2021 BMO Harris Bank N.A. Member FDIC 106 (05/21)

BMO Harris BankBMO Harris Smart AdvantageTM AccountPAGE 2 of 4Processing policies and dispute resolutionPosting order(the order in which Itemsare credited or debited)We post transactions in the following order at the end of each Business Day (Monday – Friday except federal holidays):1. Deposits and other credits received prior to the cut-off times.2. ATM withdrawals and certain other debits.3. POS transactions using your Card.4. ACH transactions.5. Checks.6. Bank generated transactions, including fees, interest and surcharge rebates.For more details and to read an example, see Section 2.C of the Agreement.Funds availabilitysummaryImmediate availabilityCash deposited into this Account.Same day availabilityWire transfers and Direct Deposits into this Account.Next day availabilityChecks deposited into this Account.This represents our general policy but longer delays may apply. For specific details, including when Items are consideredreceived, see the Funds Availability Policy for Deposit Accounts in Section 8 of the Agreement. For Mobile Deposits, if wereceive the image of an Item for deposit on or before 7:00 p.m. Central Time on a Business Day, that day will be the dayof deposit. Otherwise, the next Business Day will be the day of deposit. The first 500 of the deposit will be availableone (1) Business Day after the day of the deposit. The remainder will be available two (2) Business Days after the day ofthe deposit.Dispute resolutionThis Account is subject to the arbitration provision set forth in Section 7.EE of the Agreement. 2021 BMO Harris Bank N.A. Member FDIC 106 (05/21)