Family Values. Community Commitment.

Products and services offered by Johnson Bank, Member FDIC, a Johnson Financial Group company. Loans are subject to credit and property approval, bank underwriting guidelines, and may not be available in all states. Other loan programs and pricing may be available. The term of the loan will vary based upon program chosen. Certain conditions, terms, and restrictions may apply based on the loan program selected. Eligibility requirements are available upon request. Property insurance is required; if the collateral is determined to be in an area having special flood hazards, flood insurance will be required.

 1 Important information to obtain Johnson Bank’s Cash Bonus offer for the following accounts: Essential Checking, Associate Checking, Signature Checking, Retiree Checking, Private Banking Checking, Essential Savings, Associate Essential Savings, Signature Money Market, Retiree Savings, Relationship Money Market, Private Banking Money Market

Bonus/Account Information: The Bonus offer is not applicable to business accounts, business products, or HSA and IRA Savings Accounts. The offer is not available to those whose accounts have been closed within 90 days or closed with a negative balance within the last three years. You may receive only one bonus offer per household, which includes a bonus for opening one new checking account, a bonus for opening one new savings or money market account and a bonus for depositing new funds into an existing savings or money market account through 12.31.24. The Bonus is good for one-time use. The $300 Cash Bonus offer is available from September 30, 2024, to December 31, 2024. To receive the new Checking Account Bonus offer: 1) Open any of the following new accounts - Essential Checking, Associate Checking, Signature Checking, Johnson Bank Retiree Checking, Private Banking Checking. And 2) Have your direct deposit, in the amount of $500 or more each month, made to this account within 90 days of account opening. Your direct deposit must be an electronic deposit of your paycheck, government, social security, or pension benefits from your employer or the government. Person-to-Person payments do not qualify. The Cash Bonus will be paid after 90 days, but no later than 120 days after account opening when Cash Bonus eligibility requirements are met. The eligible account must not be closed or restricted at the time of payout. Bonuses are considered interest and will be reported on IRS form 1099-Int or 1099-MISC. (1) The below tiered Cash Bonus offers are available from September 30, 2024, to December 31, 2024, when you deposit new money that is currently funds not held by you at Johnson Bank or its affiliates. To receive any of the new Savings and Money Market Account Bonus offer: 1) Open any of the following new accounts with an initial deposit of $10,000 or more - Essential Savings, Associate Essential Savings, Signature Money Market, Johnson Bank Retiree Savings, Relationship Money Market, or Private Banking Money Market. If you already have a savings or money market account with us, you can qualify for a cash bonus by making a one-time deposit of $10,000 or more into that account. 2) Maintain your initial or one-time deposit of $10,000 or more for 90 days in your new or existing savings or money market account. And 3) Open or must have an existing Johnson Bank Consumer Checking account. Bonus tier and payout will be determined based upon the amount of your initial or one-time deposit.

The Cash Bonus will be paid after 90 days, but no later than 120 days after account opening when all Cash Bonus eligibility requirements are met. The new account must not be closed or restricted at the time of payout. Bonuses are considered interest and will be reported on IRS form 1099-Int or 1099-MISC. (2)

1) Digital checking accounts are not eligible. Cash bonus offers are only available for in-branch openings.

2) To be eligible for savings and money market cash bonus payouts, your initial deposit must be present in the account for 90 days. This requirement applies to both new accounts and deposits made into existing savings or money market account. The bonus payout will be calculated solely on your initial or one-time deposit amount. Adding multiple funds after this initial or one-time deposit will not affect or increase your bonus amount. Additionally, if you withdraw any funds within 90 days, it may reduce your initial or one-time deposit and disqualify you from receiving the cash bonus.

2 Important information to obtain 4.75%, or 4.50% Annual Percentage Yield SPECIAL RATE DISCLOSURE applies to 9-MONTH and 13- MONTH Certificates of Deposit

9-Month Certificate of Deposit^{1 2}: 4.75 % Annual Percentage Yield (APY) is available on the Johnson Bank nine-month certificate of deposit (CD) from September 30, 2024 to October 31, 2024 when you deposit new money that is currently not funds held by you at Johnson Bank or its affiliates, and maintain an existing consumer checking account with Johnson Bank, or open a new consumer checking account at Johnson Bank if a checking account is not currently maintained. Standard APY will apply if you do not have an existing consumer checking account or if you do not open a new consumer checking account with Johnson Bank. A minimum opening balance of $5,000 is required. There is no limit to the number of CDs that may be opened per household. 4.75% APY is not available to business accounts, business products, or to brokers, agents, public entities, or financial institutions. A penalty may be imposed for early withdrawal. 13- Month Certificate of Deposit^{1 2}: 4.50 % Annual Percentage Yield (APY) is available on the Johnson Bank thirteen-month certificate of deposit (CD) from September 30, 2024 to October 31, 2024 when you deposit new money that is currently not funds held by you at Johnson Bank or its affiliates, and maintain an existing consumer checking account with Johnson Bank, or open a new consumer checking account at Johnson Bank if a checking account is not currently maintained. Standard APY will apply if you do not have an existing consumer checking account or if you do not open a new checking account with Johnson Bank. A minimum opening balance of $5,000 is required. There is no limit to the number of CDs that may be opened per household. 4.50% APY is not available to business accounts, business products, or to brokers, agents, public entities, or financial institutions. A penalty may be imposed for early withdrawal.

1) Johnson Financial Group Employees are not eligible to receive an additional 0.25% APY bonus override on these rates.

2) This offer is subject to change.