Upside: Turn Debt into Wealth

BUILD WEALTH WITH EVERY LOAN PAYMENT - AUTOMATICALLY: Upside allows borrowers to refinance their loans for a better rate while simultaneously building wealth…all with one simple payment. NOT ENOUGH TO GO AROUND: Most people simply don’t have room in their budget to pay down debt and save for the future at the same time. Whether you’re trying to dig out of student debt, refinance credit cards to save money or simply get through an emergency through a personal loan, Upside can help you build wealth one payment at a time. SERIOUS WEALTH: Upside offers a more balanced approach to financial security. This is serious wealth. And it’s absolutely attainable. The key difference with Upside is the ability to invest in today rather than “down the road”. HOW WE DO IT: - BUILD WEALTH WITH EVERY LOAN PAYMENT: The magic happens by refinancing your loans, freeing up cash for investments, and then letting it grow. Pay off your loans and invest in your future at the same time. - SELF-COLLATERALIZING DEBT: Our underlying innovation is debt that "creates" its own collateral with every single payment. More collateral means less risk, so we can reward you with a lower interest rate. WITH UPSIDE, YOU’LL GET: - DASHBOARD: A single dashboard that shows progress on both your loan and your wealth - AUTOPAY: You can Autopay with one-click activation and simple one-time payments. Simply set it and forget it. - PAY EXTRA: Got a bonus? Have some extra cash. You can decide whether to put it 100% towards the loan or 100% towards your investments or maybe something in-between. It’s your future, you decide! - INVESTMENTS: Not only do you get portfolios designed by experts that adjust automatically as your money grows, but you can also select socially conscious portfolio options like climate change mitigation or animal welfare protection. - SECURITY AND PEACE OF MIND: Your peace of mind is our highest priority and we hold our security measures to the highest standards. We use 256-bit encryption and we DO NOT store any of your banking information on our servers or sell any of your information to third parties. SUPPORT: Please reach us in-app or email us at support@upsidefi.com if you have any questions, issues, or requests. We’re here to help! DISCLOSURES: We've partnered with Helium Advisors LLC, an SEC-registered investment adviser, to bring you investing features. All investment advisory services are provided by Helium. We receive compensation as a percentage of assets managed by Helium for promoting Helium’s investment advisory services. Our partnership with Helium gives us an incentive to refer you to Helium instead of another investment adviser that is not a partner of ours. This conflict of interest affects our ability to provide you with unbiased, objective information about the services of Helium. This could mean that the services of another investment adviser with whom we are not partnered may be more appropriate for you than those of Helium. Investing involves risk, including the possible loss of principal, and there is no assurance that the investment will provide positive performance over any period of time. Helium accounts are not bank guaranteed or FDIC insured. © 2023 Upside Financial, Inc. All rights reserved