Savings & Money Market

¹ Essential Savings accounts for minors will not be assessed a Monthly Cycle Maintenance Fee until their 18th birthday.

² Opening an account with an amount less than the Minimum Daily Ledger Balance will result in the account being assessed a Monthly Cycle Maintenance Fee for the initial monthly cycle, unless another balance qualification disclosed is met.

³ Defined as the lowest daily combined Ledger Balance of this account plus all related savings, money market and certificate of deposit accounts that have been designed by you and linked by the bank for this purpose. Relevant balances on tax‐deferred accounts are excluded. Savings, money market and certificate of deposit accounts may not be linked with more than one account for purposes of combined related aggregate ledger balances.

⁴ Eligibility Requirements: To qualify for the Relationship Money Market Account (MMDA) account owners must maintain two (2) additional products with Johnson Financial Group: One product must be a consumer checking (demand deposit) account (including accounts held in the capacity of a qualifying Trust); or a qualifying Johnson Bank Small Business Solutions Checking Account: 1.) Where an account owner is the sole proprietor/owner (d/b/a), or 2.) A Corporate, Limited Liability Corporation, or Limited Liability Partnership account for a business in which the account owner(s) is/are the majority owner(s), or 3.) An account for a business owned by a revocable trust for which an account owner is the grantor and trustee, or 4.) Partnership account in which the account owner(s) is/are the majority general partner(s), or 5.) A Family Limited Partnership where the account owners, together, are the majority partner(s). The other product must be a consumer product held by the account owner(s) and include a consumer loan, consumer mortgage loan, credit card (offered through Élan Financial Services), LPL Financial (brokerage) account, or Wealth account. Products may not be used with more than one Relationship Money Market. If the eligibility requirements are not maintained, the account will be automatically transferred (converted) to a Signature Money Market Account. Other information: Minimum age to open an individual Essential Savings account is 12 (no ATM access); Signature or Relationship Money Market account is 18. Additional fees may apply, see the Fee Schedule for more information.