Personal Checking Account Special Offers

¹Eligibility Requirements: This offer is for new consumer checking customers only. Existing customers with loans, savings, or business checking accounts are eligible for the offer. You are not eligible for this offer if: (1) You are a current Minnesota Bank & Trust, a division of HTLF Bank consumer checking account owner. (2) You have received a bonus for opening a Minnesota Bank & Trust, a division of HTLF Bank consumer checking account within the past 12 months. Bonus Requirements: To receive a $300.00 bonus, you must have a balance of at least $50,000.00 or more in your new checking account 180 calendar days after the account open date. If 180th calendar day falls on a weekend or holiday, the account balance on the following business day will be used to qualify for the promotion. To receive a $300.00 bonus, you must have two direct deposits made into this account. Each direct deposit must be at least $1,000.00 or more posted to this account within 90 calendar days of account opening. If 90th calendar day falls on a weekend or holiday, the account balance on the following business day will be used to qualify for the promotion. A qualifying direct deposit is an ACH (Automated Clearing House), automatic electronic deposit of your salary, pension, Social Security, or other regular income into your bank account. Confirm with your employer, agency or company making these payments that they use the ACH network. Transfers from one account to another, mobile deposits, Person to Person payments (such as Zelle®) or deposits made at a branch or ATM do not qualify as a direct deposit. If the account is closed by the customer or bank within 90 business days after opening, we may deduct bonuses earned and received at closing, and a $25.00 account closing fee may be assessed. Closing the account will negate any unearned bonuses. Bonus Payment: All bonus dollars will be paid within 30 days after the qualification requirements are met and will be deposited into the new checking account. All bonus dollars will be paid to the newly opened Signature Checking account. The bonuses will be paid to the account opened first if multiple checking accounts are opened during the promotional bonus period under the same primary owner’s name. There is a limit of one bonus per new consumer account relationship. An IRS 1099 form may be issued. You are responsible for any federal, state, or local taxes due on the bonus and will report income to the tax authorities if applicable. Consult your tax advisor. Additional Terms and Conditions: The offer may be discontinued or changed at any time without notice. Geographic restrictions may apply. Account opening is subject to approval.

²Signature Checking interest rate and Annual Percentage Yields (APY) are accurate as of 05/30/2023. Interest rate and APY tiers apply to the following balances: 0.00% interest rate and 0.00% APY on balances $0.01 to $49,999.99. 2.96% interest rate and 3.00% APY on balances of $50,000.00 to $149,999.99. 2.96% interest rate and 3.00% APY $150,000.00 to $249,999.99. 1.74% interest rate and 1.75% APY on balances of $250,000.00 and above. We use the daily balance method to calculate interest on your account each day. This method applies a periodic rate to the principal in the account each day. Credits to your account, including the monthly interest payment could move your balance into a different rate tier. Customers are responsible for monitoring their account balances. Rates and terms may change after the account is opened at the bank’s discretion. Minimum deposit to open account is $1,000.00. Minimum balance to obtain APY is $50,000.00. Fees may reduce earnings. Foreign ATM fees of up to $20.00 per monthly statement cycle will be refunded if at least one direct deposit per month posted within the monthly statement cycle. $50,000.00 average daily balance or $100,000.00 in total relationship balance for the cycle month required to avoid $9.00 monthly maintenance fee. The average daily balance is calculated by adding the current balance in the account for each day in the cycle month and dividing that figure by the number of days in the cycle month. Signature Checking is a Consumer Checking account. Only Signature Checking accounts are eligible for this promotion. No other checking accounts are eligible for the promotion.

³Eligibility Requirements: This offer is for new consumer checking customers only. Existing customers with loans, savings, or business checking accounts are eligible for the offer. You are not eligible for this offer if: (1) You are a current Minnesota Bank & Trust, a division of HTLF Bank consumer checking account owner. (2) You have received a bonus for opening a Minnesota Bank & Trust, a division of HTLF Bank consumer checking account within the past 12 months. Bonus Requirements: To receive a $300.00 bonus, you must have a balance of at least $7,500.00 or more in your new checking account 180 calendar days after the account open date. If 180th calendar day falls on a weekend or holiday, the account balance on the following business day will be used to qualify for the promotion. To receive a $300.00 bonus, you must have two direct deposits made into this account. Each direct deposit must be at least $1,000.00 or more posted to this account within 90 calendar days of account opening. If 90th calendar day falls on a weekend or holiday, the account balance on the following business day will be used to qualify for the promotion. A qualifying direct deposit is an ACH (Automated Clearing House), automatic electronic deposit of your salary, pension, Social Security, or other regular income into your bank account. Confirm with your employer, agency or company making these payments that they use the ACH network. Transfers from one account to another, mobile deposits, Person to Person payments (such as Zelle®) or deposits made at a branch or ATM do not qualify as a direct deposit. If the account is closed by the customer or bank within 90 business days after opening, we may deduct bonuses earned and received at closing, and a $25.00 account closing fee may be assessed. Closing the account will negate any unearned bonuses. Bonus Payment: All bonus dollars will be paid within 30 days after the qualification requirements are met and will be deposited into the newly opened Platinum Checking account. The bonuses will be paid to the account opened first if multiple checking accounts are opened during the promotional bonus period under the same primary owner’s name. There is a limit of one bonus per new consumer account relationship. An IRS 1099 form may be issued. You are responsible for any federal, state, or local taxes due on the bonus and will report income to the tax authorities if applicable. Consult your tax advisor. Additional Terms and Conditions: The offer may be discontinued or changed at any time without notice. Geographic restrictions may apply. Account opening is subject to approval.

⁴Platinum Checking interest rate and Annual Percentage Yields (APY) are accurate as of 05/30/2023. If your daily balance is $50,000.00 or less, the interest rate paid on the entire balance will be 2.96% with an annual percentage yield of 3.00%. An interest rate of 1.00% will be paid only for that portion of your daily balance that is $50,000.01 or greater. The annual percentage yield for this tier will range from 3.00% to 1.40% depending on the balance in the account. $250,000.00 was used as the example deposit balance amount for the APY calculation of 1.40%. Rates and terms may change after the account is opened. Minimum deposit to open account is $500.00. Fees may reduce earnings. Foreign ATM fees of up to $20.00 per monthly statement cycle will be refunded if at least one direct deposit per month posted within the monthly statement cycle. $7,500.00 average daily balance required to avoid $12.00 monthly maintenance fee. The average daily balance is calculated by adding the current balance in the account for each day in the cycle month and dividing that figure by the number of days in the cycle month. Platinum Checking is a Consumer Checking account. Only Platinum Checking accounts are eligible for this promotion. No other checking accounts are eligible for the promotion.

⁵Free Checking with eStatement terms may change after the account is opened at the bank’s discretion. The minimum deposit to open the account is $25.00. A $3.00 monthly paper statement fee is assessed if the customer is not enrolled in eStatements. Free Checking with eStatement is a Consumer Checking account. Only the Free Checking with eStatement account is eligible for this promotion. No other checking accounts is eligible for the promotion.

⁶Eligibility Requirements: This offer is for new consumer checking customers only. Existing customers with loans, savings, or business checking accounts are eligible for the offer. You are not eligible for this offer if: (1) You are a current Minnesota Bank & Trust, a division of HTLF Bank consumer checking account owner. (2) You have received a bonus for opening a Minnesota Bank & Trust, a division of HTLF Bank consumer checking account within the past 12 months. Bonus Requirements: To receive a $300.00 bonus, you must have 2 direct deposits made into this account. Each direct deposit must be at least $300.00 or more posted to this account within 90 calendar days of account opening. A qualifying direct deposit is an ACH (Automated Clearing House) automatic electronic deposit of your salary, pension, Social Security, or other regular income into your bank account. Confirm with your employer, agency or company making these payments that they use the ACH network. Transfers from one account to another, mobile deposits, Person to Person payments (such as Zelle®) or deposits made at a branch or ATM don’t qualify as a direct deposit. If 90th calendar day falls on a weekend or holiday, the following business day will be used to qualify for the promotion. If the account is closed by the customer or bank within 90 business days after opening, we may deduct any bonus earned and received at closing, and a $25.00 account closing fee may be assessed. Closing the account will negate any unearned bonus. Bonus Payment: All bonus dollars will be paid to the newly opened Free Checking with eStatement checking account. All bonus dollars will be paid in 30 days after the qualification requirements are met and will be deposited into the new checking account. The bonuses will be paid to the account opened first if multiple checking accounts are opened during the promotional bonus period under the same primary owner’s name. Limit one bonus per new consumer account relationship. An IRS 1099 form may be issued. You are responsible for any federal, state, or local taxes due on the bonus and will report income to the tax authorities if applicable. Consult your tax advisor. Additional Terms and Conditions: The offer may be discontinued or changed at any time without notice. Geographic restrictions may apply. Account opening is subject to approval.