toWealth Credit Card

TOWEALTH MASTERCARD®: HOW IT WORKS - 100% in-App application - Good credit, bad credit, no credit - everyone is welcome to apply - Apply in Minutes for a Real-time Decision - If Approved: - Instant Cash Advance directly to your Bank Account in about 10 minutes* - Credit Card arrives in about a week - New Savings Account linked to your Card earning up to 3.5% APY* - Grow as you go with Qualifying On-time Payments: - Grow your credit limit by $100 per month* - Grow your Savings by $100 per month that ultimately secures your Card - Part of your payment is added to your Savings Account, and over time, your toWealth Mastercard becomes fully secured - Swipe your Card and earn 1% Cash Back on eligible purchases MORE AFFORDABLE THAN PAYDAY LOANS - If your Card Balance is $500, your Monthly Interest is about $15 (APR 35.99%). - For a $200 Cash Advance, your fee is the greater of $10 or 5% of advance. OTHER FEATURES - Mastercard® accepted worldwide - Request Instant Cash Advances 24/7, —anytime, anywhere - High-yield Savings Account (up to 3.5% APY) * - 1% cash back on all eligible purchases AWESOME MOBILE APP - 24/7 Access - Get Cash Advances, Make Payments - Track available credit, savings and card activity - Transfer Funds to your Savings Account - Secure Account Management *IMPORTANT DISCLOSURES - PARTNERSHIP AND LICENSING: toWealth is a fintech company, not a bank. toWealth Mastercard is issued by The Bank of Missouri, serviced by toWealth. The Savings account is provided by The Bank of Missouri, Member FDIC. - INSTANT TRANSFERS: Instant Transfers are optional, subject to qualifying bank accounts, and fees may apply. Instant Transfers to your bank account arrive in less than 10 minutes (most cases). An optional $3.75 fee applies for instant delivery; ACH transfers are $0. - SAVINGS AND APY: APY means Annual Percentage Yield, and the rate is variable and may change at any time. Once your savings equals your credit limit, every dollar of your on-time payment deposited into your savings account increases your credit limit dollar for dollar. Your monthly payment includes $100 (minimum) that is added to your Savings Account. - ACCOUNT FEES & COSTS: - APR: 35.99% - Annual Fee: $50 - Cash Advance Fee: $10 or 5% (whichever is greater), max $75 - Return Payment Fee: $25 | Late Fee: Up to $30 - toWealth Mastercard is subject to Credit Approval. About toWealth toWealth is a fintech company focused on building smarter, technology-driven financial products that help people build financial stability. Website: https://towealth.com Privacy Notice: https://towealth.com/privacy-notice Privacy Policy: https://towealth.com/privacy-policy Terms of Use: Questions? Email at support@toWealth.com