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*Zeni is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC.

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I. Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank 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 can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions regarding the sweep program.

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II. The interest rates and annual percentage yield on your account are accurate as of 01/24/2025 and are variable and subject to change based on the target range of the Federal Funds rate. APY will vary between .77%-3.30% depending on the balances held. Earn 0.77% APY on checking balances of less than $250,000, 1.58% APY on balances between $250,000 and $500,000, 2.40% APY on savings balances between $500,000 and $1,500,000,  3.23% APY on savings balances between $1,500,000 and $2,500,000 and 3.30% APY on savings balances of more than $2,500,000. There are no minimum balances or minimum deposits required to earn interest on your account.

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III. The Zeni Business Credit Card is currently available to eligible Zeni customers by invite only. The Zeni Business Credit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

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IV. Payment services are provided by Community Federal Savings Bank and Column National Association, to which Nium, Inc. acts as a service provider. Zeni Inc is not licensed, nor exempt to provide any payment services in the US.