OXYGEN: Mobile Banking Apps

Oxygen is a modern digital banking platform for the 21stcenturyeconomy – the free thinkers, rebels, and entrepreneurs.Oxygen is afinancial technology company, not a bank. BankingServices providedby The Bancorp Bank, Member FDIC CASHBACK REWARDS¹TraderJoes, Gas,Food delivery, and more. Plus $1 back at yourfavorite coffee shop!GROW & MANAGE SAVINGS Boost your savingsby rounding up thechange; grow it with Annual Percentage Yields(APYs)³, up to 20xthe average national rate.⁴ RETAIL & TRAVELBENEFITS Retailbenefits like cell phone insurance and extendedwarranty, travelperks like delayed and lost luggage, hotel theft,and car rentaldamage waiver protection. See below for premiumbenefits on SELECTELEMENTS. EASY & SECURE Pay friends throughthe app, fee freebank transfers, pay bills, and access over 40,000fee-free domesticATMs⁵. Keep your money safe with card controls,card freezing, andvirtual cards. PERSONAL TIERS EARTH Noqualifications or fees. Nomonthly fees or minimum balance Allstandard benefits, plus: 2%Cashback / Savings with a robust APY onbalances of $20,000 or less/ 3 Savings Goals / 3 Virtual CardsWATER Qualification: 30consecutive days qualified deposit ($1,500),spend ($500) plus a$19.99 Annual fee.⁶ All standard benefits, plus:4% Cashback /Savings with a robust APY on balances of $20,000 orless / 10Savings Goals / 15 Virtual Cards / 2 mo. Netflixreimbursement AIRQualification: 30 consecutive days qualifieddeposit ($3,000),spend ($1,000) plus a $49.99 Annual fee.⁶ Allstandard benefits,plus: 5% Cashback / Savings with a robust APY onbalances of$20,000 or less/ Unlimited Savings Goals & VirtualCards / 2mo. Netflix & Peloton digital reimbursement/PriorityPass™Membership plus 5 Annual Visits FIRE Qualification: 30consecutivedays qualified deposit ($6,000), spend ($2,000) plus a$199.99Annual fee.⁶ All standard benefits, plus: 6% Cashback /Savingswith a robust APY on balances of $20,000 or less /UnlimitedSavings Goals & Virtual Cards / 2 mo. Netflix &Pelotonreimbursement/ PriorityPass™ Membership plus 10 AnnualVisits /Global Entry Reimbursement. BUSINESS ACCOUNT Cashback onRideShare, Gas & more! Customizable invoices Virtual cardswithspending controls Business Savings Account⁷ Form an LLC fromwithinthe app⁸ Banking Services provided by The Bancorp Bank,MemberFDIC. The Oxygen Visa® Debit Card and the Oxygen Visa®BusinessDebit Card is issued by The Bancorp Bank pursuant to alicense fromVisa U.S.A. Inc. and may be used everywhere Visa debitcards areaccepted. ¹ Cashback percentage varies by element.Variable annualfee, deposit and spend requirements may apply.Please refer toCashback Terms & Conditions for full details. ²1.25% annualpercentage yield (APY) applies to Fire Element only andwithbalances of $20,000 or less. For balances over $20,000, APYrangesfrom 1.25% to 0.21%. APYs current as of 9/9/21. Annual feeapplies,fees may reduce earnings. No minimum balance to open theaccount,however, monthly spend and deposit requirements apply.Seeoxygen.us/apy for details. ³ Savings APY varies byElement.Variable annual fees, deposit and spend requirements mayapply. Nointerest paid on balances over $20,000.  Please refertooxygen.us/apy for details. ⁴ Based on the average Savings APYatBankrate.com ⁵ Out-of-Network and International fees apply.Thirdparty fees may apply. ⁶ Annual fee assessed only once ifyoucontinue to meet the deposit and spend qualifications ⁷ Refertothe Business Savings Account Agreement for full details ⁸LLCformation is powered by CorpNet, Inc. Fees for LLC creationdifferby state and services selected