Fold: Bitcoin Personal Finance

Fold is the solution for seamlessly managing both bitcoin and dollars.*** Buy, sell, and send bitcoin**; premium members pay no fees. Pay bills with your account and routing numbers.* Get up to 1.5% back on eligible bills. Earn bitcoin on everyday expenses. Earn extra bitcoin back on rotating card linked offers and popular gift cards.

Take control of your personal finances with Fold: the currency you prefer and the banking features you need.*

BUY, SELL, AND SEND BITCOIN

- Buy, sell, and send bitcoin with no fees.**

- Automate bitcoin buys with round-ups and DCA (auto-stack).

- Get paid in up to 100% bitcoin.*

PAY BILLS

- Pay all your bills with your Fold account and routing numbers.*

- Earn up to 1.5% back on your biggest expenses like mortgage, rent, and credit cards. Conditions apply.

EARN BITCOIN ON EVERY SHOP

- Get started for free with a Fold Visa Prepaid Debit Card, the original bitcoin rewards prepaid debit card. Terms and conditions apply.

- Earn bitcoin back on every eligible purchase.

- Earn extra bitcoin back on exclusive categories and merchants.****

ENJOY BANKING FEATURES

- Direct deposit into your Fold Card account and get paid up to 3 days early. Delays may apply.

- Get paid in up to 100% bitcoin.

- No international or ATM withdrawal fees.****

EARN EXTRA BITCOIN BACK ON CARD LINKED OFFERS

- Earn extra bitcoin back on category and merchant offers.****

EARN BITCOIN BACK ON GIFT CARDS

- Earn extra bitcoin back when you buy popular gift cards on the Fold App.

INSURED CUSTODY

- Your USD may be FDIC Insured.*

- Your bitcoin is BitGo Insured.***

*The Fold Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A.. Inc. Visa is a registered trademark of Visa, U.S.A., Inc. All other trademarks and service marks belong to their respective owners. Fold is a financial services platform and not a FDIC insured bank. The Fold Card is issued by Sutton Bank, Member FDIC. If you have a Fold Card, accounts are subject to pass-through FDIC insurance up to $250,000 per ownership category, should Sutton Bank fail. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Coverage limit is subject to aggregation of all of the account holder's funds held at Sutton Bank.

**Fees may apply. Bitcoin involves certain risks and may lose value.Fortress Trust provides Bitcoin services. See Terms of Use: https://fortresstrust.com/terms-of-use.

***Insurance Policy covers copying and theft of private keys, insider theft or dishonest acts by BitGo employees or executives, and loss of keys. You can learn more here: https://www.bitgo.com/resources/insurance/.

****Fold+ subscribers pay zero added fees when making ATM withdrawals and when buying bitcoin on Fold; standard network fees might apply.

*****Available to Fold+ subscribers.

For full terms and conditions of our Fold Card and rewards program, see the Terms and Conditions, Fold Visa Prepaid Debit Card Agreement and Spinwheel Official Rules at www.foldapp.com/legal.

Fold App

11201 N Tatum Blvd, Ste 300, #42035, Phoenix AZ, 85028