WINTRUST FINL CORP 5% CONV PERP Wintrust Financial Corporation 9700 West Higgins Road Suite 800 Rosemont, IL 60018 United States 847-939-9000 http://www.wintrust.com Wintrust Financial Corporation, a financial holding company, provides banking and other financial products and services to customers in the Chicago metropolitan area and in southern Wisconsin. It operates in three segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers personal and commercial banking services primarily to individuals, small to mid-sized businesses, local governmental units, and institutional customers. It provides deposit products, such as non-interest bearing deposits, non-brokered interest-bearing transaction accounts, savings deposits, and domestic time deposits; loans comprising home equity, consumer, and real estate loans; safe deposit facilities; and ATMs, Internet banking, and other services. This segment is also involved in the origination and purchase of residential mortgages for sale into the secondary market; and provision of lending, deposits, and cash management services to condominium, homeowner and community associations, as well as asset-based lending for middle-market companies. In addition, this segment provides loan and deposit services to mortgage brokerage companies; lending to restaurant franchisees; small business administration loans; and financial solutions for hospitals, non-profits, educational institutions, and local government operations. The Specialty Finance segment offers commercial insurance premium and life insurance premium financing services for businesses and individuals; short-term accounts receivable financing services; and payrolls data processing, billing, and cash management services to the temporary staffing industry. The Wealth Management segment provides wealth management services, including trust and investment, asset management, securities brokerage services, and retirement plan services. As of December 31, 2015, it had approximately 152 banking locations. Wintrust Financial Corporation was founded in 1992 and is headquartered in Rosemont, Illinois.