Private Banking Services

You must meet and maintain enhanced Choice Checking benefit tier qualifications for Platinum Choice, Emerald Choice, or Emerald Private Choice, listed on the Associated Choice Checking Product Disclosure, to obtain enhanced benefits. Calculations are completed at the end of the calendar month, if qualifications are met benefits will start within 60 calendar days. (1419)

The “HELOC Discount” is a reduction in the margin applied to your Home Equity Line of Credit's variable rate. To be eligible for the HELOC Discount, you must meet three requirements:

A. Have or open an Associated Choice Checking or Private Banking Checking account (an “Eligible Checking Account”).

B. Have at least $50,000 in qualifying relationship balances on deposit (“Relationship Balance”) no later than 10 days prior to HELOC closing. Your specific HELOC Discount will depend on the total amount of your Relationship Balance. Speak to a loan officer for HELOC Discount details.

C. Authorize Associated Bank to automatically draw monthly mortgage payments from an Associated Bank checking account by completing and signing a “ML, ILN, and LOC Authorization” at the time of loan closing. Automatic payments are drawn based on the borrower’s payment preferences when the HELOC holds an outstanding balance.

Accounts that contribute to your Relationship Balance include Associated Bank checking, savings, CD and IRA accounts; Associated Bank HSA accounts; select investment accounts with Associated Investment Services (mutual fund and brokerage accounts); revocable trust accounts that list you as the Trustee or Co-Trustee; and UTMA accounts of which you are the custodian. For a complete list of eligible and ineligible Relationship Balance accounts, please see the Associated Choice Checking Product Disclosure, available at AssociatedBank.com.

The HELOC Discount eligibility is subject to account and balance validation when Associated Bank prepares your "Home Equity Line of Credit Agreement and Disclosure" for your signature. The HELOC Discount only applies to new HELOC customers, defined as customers without an existing Associated Bank HELOC on the subject property. HELOC rates are variable based on Prime plus or minus a margin and can change monthly. Speak to a loan officer for HELOC product details, including HELOC rates, margin calculation, applicable fees, terms and payment options. (1432)

Associated Bank offers a variety of mortgage products. Your Mortgage Relationship Discount (“Mortgage Discount”) may vary depending on the product for which you apply. Eligible Portfolio Loan Products include, but are not limited to: Adjustable Rate Mortgages (ARMs), certain Jumbo Fixed Loans, and Community Affordable Real Estate (CARE) Loans. For ARMs, the rate discount will apply to the initial rate period. To be eligible for the Mortgage Discount, you must meet three requirements:

A. Have or open an Associated Choice Checking or Private Banking Checking account (an “Eligible Checking Account”).

B. Have at least $50,000 in qualifying relationship balances on deposit (“Relationship Balance”) no later than 10 days prior to loan closing. This Relationship Balance will not include any funds needed for down payment on the mortgage transaction. Mortgage Discounts vary based on (1) the type of mortgage product the customer has applied for, and (2) the customer’s Relationship Balance held in any eligible account(s).

C. Authorize Associated Bank to automatically draw monthly mortgage payments from an Associated Bank checking account by completing and signing a “ML, ILN, and LOC Authorization” at the time of loan closing.

Accounts that contribute to your Relationship Balance include Associated Bank checking, savings, CD and IRA accounts; Associated Bank HSA accounts; select investment accounts with Associated Investment Services (mutual fund and brokerage accounts); revocable trust accounts that list you as the Trustee or Co-Trustee; and UTMA accounts of which you are the custodian. For a complete list of eligible and ineligible Relationship Balance accounts, please see the Associated Choice Checking Product Disclosure, available at AssociatedBank.com.

Interest rates, fees, eligible products, and mortgage discounts are subject to change without notice. Program eligibility is subject to loan type, Eligible Checking Account validation, and Relationship Balance validation. Speak to a loan officer for mortgage product details, including rates, applicable fees, terms and payment options. (1433)