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^{^}ZYNLO Money Market Account: There is no minimum deposit required to open this account. The minimum balance to earn the Annual Percentage Yield (APY) is $0.01. APY is valid as of 12/29/2025 and is subject to change without notice. Fees may reduce earnings on an account. There is no monthly maintenance service charge, regardless of your balance. Competitive rates are reviewed periodically.

^*More Spending Account: There is no minimum deposit required to open this account. The minimum balance to earn the Annual Percentage Yield (APY) is $0.01. APY is valid as of 12/29/2025 and is subject to change without notice. Fees may reduce earnings on an account. There is no monthly maintenance service charge, regardless of your balance. Competitive rates are reviewed periodically.

⁺Tomorrow Savings Account: There is no minimum deposit required to open this account. The minimum balance to earn the Annual Percentage Yield (APY) is $0.01. APY is valid as of 12/29/2025 and is subject to change without notice. Fees may reduce earnings on an account. There is no monthly maintenance service charge, regardless of your balance. Competitive rates are reviewed periodically.

^‡ZYNLO Certificate of Deposit: There is no minimum deposit required to open this account. The minimum balance to obtain Annual Percentage Yield (APY) on Certificates of Deposit is $0.01. CD rates are fixed for the term of the account. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). A penalty may be imposed for early withdrawal from a CD and is based on the maturity term and could reduce earnings. Transaction Limitations apply. Refer to the Important Terms and Conditions, Certificate of Deposit Accounts – Truth In Savings Disclosure for the early withdrawal penalties and additional information. Must be 18 or older to open an account. Refer to the ZYNLO Rate Sheet for current rates.

^‖ZYNG automatically rounds up debit card purchases to the nearest dollar and transfers that amount from your ZYNLO More Spending Account into your ZYNLO Tomorrow Savings Account. ZYNG will match roundups at 100% for the first 100 days. After the first 100 days, ZYNG will match roundups at 100% if your More Spending Account had an average daily balance (ADB) of at least $3,000 in the previous statement cycle. If your ADB was below $3,000 in the previous statement cycle, roundups will be matched at 25% for the current statement cycle. After not qualifying, you can return to the 100% match if the minimum ADB is met. Matches are applied in real time, and your match percentage is recalculated each month based on the ADB from the prior statement cycle. ZYNLO More Spending with ZYNG Round Up and Match return is estimated using $3,000 average daily balance, 20 monthly transactions, an average of $0.44 per roundup, and 100% match. ZYNLO reserves the right to monitor and assess ZYNG Match transactions for unusual and unnatural use of this benefit. At our sole discretion, ZYNLO may determine that an account has displayed unusual or unnatural use of the ZYNG benefit. Once an account has been identified for using ZYNG in an unnatural manner based on typical customer behavior, ZYNLO reserves the right to (1) remove the account from any and all promotions and campaigns, (2) implement a pause, or pursue closure of the account, and (3) reclaim any ZYNLO Match contributions associated with transactions deemed unnatural or in violation of the ZYNG program.

^{^^}The average national money market account interest rate of 0.65% Annual Percentage Yield (APY) is determined by the FDIC as of 7/20/2026, and is based on a simple average of rates paid by all insured depository institutions and branches for which data are available. Visit FDIC: National Rates and Rate Caps to learn more. Competitive rates are reviewed periodically.

⁺⁺The average national savings account interest rate of 0.38% Annual Percentage Yield (APY) is determined by the FDIC as of 7/20/2026, and is based on a simple average of rates paid by all insured depository institutions and branches for which data are available. Visit FDIC: National Rates and Rate Caps to learn more. Competitive rates are reviewed periodically.

^>Credit card rewards rates vary, but based on research are valued around 1 cent per point or 1%. Earning 1,000 credit card points would be worth around $10. Your ZYNG debit card purchases will earn an average of $0.44 per transaction or 2.11% for accounts carrying a minimum daily balance of $5,000.00. In addition, you will earn 2.00% Annual Percentage Yield on all funds in your checking account which puts the total return of ZYNG around 4.11%. Actual savings will vary based on debit card use, the daily account balance, and could accrue faster the more you use your card. ZYNG rewards example: 20 debit card transactions per month at $0.44 per transaction or $105.60 per year ($105.60 Round Up & match / $5000 minimum daily account balance = 2.11%). Combined with the 2.00% APY on the money in the checking account, the total estimated return is 4.11%. Rates, terms, and information are subject to change at any time. Based on research taken from Bankrates' recent evaluation of how much points and miles are worth in 2024, published on February 15, 2024, the average credit card rewards return is 1 cent per point or 1%.

^**Early Payday: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

^(§)The average national 12-Mo CD account interest rate of 1.68% Annual Percentage Yield (APY) is determined by the FDIC as of 7/20/2026, and is based on a simple average of rates paid by all insured depository institutions and branches for which data are available. Visit FDIC: National Rates and Rate Caps to learn more. Competitive rates are reviewed periodically.