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End User Deposit Agreement          End User Deposit Disclosures ‍

Affiniti is a financial technology company and is not an FDIC - insured bank. Banking services are provided byThread Bank, Member FDIC. FDIC insurance is available for funds on deposit through Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank; certain conditions must be satisfied for pass-throughdeposit insurance coverage to apply.  No annual fees on your account. Additional fees may apply for certain paymenttransactions from your account.

This card is issued by Patriot Bank, N.A. pursuant to a license from Mastercard. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Card benefits and usage subject to terms available at affiniti.com/legal. Affiniti Finance, Inc. is the program manager of this card and can be reached at support@affiniti.finance.

1The interest rate and Annual Percentage Yield on your account are accurate as of 01/09/2026. Rate is variable anddependent on your deposit balance and are subject to change after account opening. Fees may reduce earnings.When you maintain a balance in your account that is less than $50,000, the interest rate on your account is 1.00% with an APY of 1.00%. When you maintain a balance in your account that is between $50,000 and $125,000, the interest rate on your account is 1.73% with an APY of 1.75%. When you maintain a balance in your account that is between $125,000 and $200,000, the interest rate on your account is 2.47% with an APY of 2.50%. When you maintain a balance in your account that is more than $200,000, the interest rate on your account is 2.96% with an APY of 3.00%
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2Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at programbanks in its deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to$250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You canaccess the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of programbanks at https://thread.bank/program-banks/. Please contact [customerservice@thread.bank] with questions on thesweep program. Pass-through insurance coverage is subject to conditions.

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