toWealth

toWealth Mastercard®: How It Works • 100% in-App application • Good credit, bad credit, no credit - everyone is welcome to apply • Apply in Minutes for a Real-time Decision • If Approved:   ◦ Instant Cash Advance directly to your Bank Account in about 10 minutes*   ◦ Credit Card arrives in about a week   ◦ New Savings Account linked to your Card earning up to 3.5% APY* • Grow as you go with Qualifying On-time Payments:   ◦ Grow your credit limit by $100 per month*   ◦ Grow your Savings by $100 per month that ultimately secures your Card   ◦ Part of your payment is added to your Savings Account, and over time, your toWealth Mastercard becomes fully secured • Swipe your Card and earn 1% Cash Back on eligible purchases More Affordable than Payday Loans • If your Card Balance is $500, your Monthly Interest is about $15 (APR 35.99%). • For a $200 Cash Advance, your fee is the greater of $10 or 5% of advance. Other Features • Mastercard® accepted worldwide • Request Instant Cash Advances 24/7, —anytime, anywhere • High-yield Savings Account (up to 3.5% APY) * • 1% cash back on all eligible purchases Awesome Mobile App • 24/7 Access • Get Cash Advances, Make Payments • Track available credit, savings and card activity • Transfer Funds to your Savings Account • Secure Account Management *Important Disclosures • Partnership and Licensing: toWealth is a fintech company, not a bank. toWealth Mastercard is issued by The Bank of Missouri, serviced by toWealth. The Savings account is provided by The Bank of Missouri, Member FDIC. • Instant Transfers: Instant Transfers are optional, subject to qualifying bank accounts, and fees may apply. Instant Transfers to your bank account arrive in less than 10 minutes (most cases). An optional $3.75 fee applies for instant delivery; ACH transfers are $0. • Savings and APY: APY means Annual Percentage Yield, and the rate is variable and may change at any time. Once your savings equals your credit limit, every dollar of your on-time payment deposited into your savings account increases your credit limit dollar for dollar. Your monthly payment includes $100 (minimum) that is added to your Savings Account. • Account Fees & Costs:   ◦ APR: 35.99%   ◦ Annual Fee: $50   ◦ Cash Advance Fee: $10 or 5% (whichever is greater), max $75   ◦ Return Payment Fee: $25 | Late Fee: Up to $30. • toWealth Mastercard is subject to Credit Approval. About toWealth toWealth is a fintech company focused on building smarter, technology-driven financial products that help people build financial stability. Website: https://towealth.com Privacy Notice: https://towealth.com/privacy-notice Privacy Policy: https://towealth.com/privacy-policy Terms of Use: Questions? Email at [email protected]