Self vs Shield Guide

Build credit and grow savings or use the secured Self Visa® Credit Card to build credit. Starting fresh or needing a credit builder? Self can help you create better financial habits and put you in control of your finances. All credit scores are welcome. THE SECURED CARD WITH NO CREDIT CHECK Add the secured Self Visa® Credit Card* to your toolkit No credit check required High approval rates Control your credit limit Build credit with all 3 credit bureaus Use everywhere Visa is accepted in the US BUILD CREDIT & SAVINGS TOGETHER Sign up for a Credit Builder Account¶, and lift your credit score by 47 points, on average‡ Plans start at $25/mo.§ Unlock your savings at the end, minus interest and fees No credit score req. No credit check GET THE CREDIT YOU DESERVE FOR RENT, CELL PHONE BILLS AND MORE‖ Build credit with cell phone, water, electricity, gas, and rent payments for $6.95/mo.¹ On time rent payments reported to Experian, Equifax & TransUnion On time utility & cell phone payments reported to TransUnion Credit monitoring by TransUnion No credit check Cancel any time DISCLOSURES *Self is not a bank. The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A. each Member FDIC. Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change. Intro Offer: $0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.74% as of 10/1/2026. Offer valid for new customers only. Self Plus Credit Card issued by Lead Bank or Sunrise Banks, N.A. See Self.inc for details. Fees Apply. ¶Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC. Subject to approval. ‡Based on a 2025 TransUnion® study, customers who opened a 24 month Self Credit Builder Account in Q1 2024 with a starting VantageScore 3.0 under 600 and made on-time payments, saw an average VantageScore 3.0 increase of 47 by month 12. Results will vary, Self does not guarantee a score increase. Late/missed payments on other Self products and other credit obligations can lower scores even if Credit Builder Account payments are made on time. §Minimum and maximum repayment period for all loan products is 24 months. Maximum Annual Percentage Rate (APR) of all loan products is 15.92%. Sample loans: $25/mo, 24 mos, 15.92% APR; $35/mo, 24 mos, 15.69% APR; $48/mo, 24 mos, 15.51% APR; $150/mo, 24 mos, 15.82% APR. Variable admin fee of $1-$5 may apply. See self.inc/pricing. ¹Rent payments are reported to Experian, Equifax & TransUnion. Utility & cell phone payments are reported to TransUnion. ‖Results vary. You may not receive an improved credit score. Not all lenders use scores impacted by rent/utility payments. Self Financial, Inc. PO Box 11, Southlake, TX 76092-9998

Shield Guide connects homeowners facing foreclosure with HUD-certified housing counselors — step by step, in English and Spanish. Whether you've received a notice of default, missed payments, or aren't sure what comes next, Shield Guide helps you take action before it's too late. What Shield Guide does: Connects you directly with HUD-certified foreclosure prevention counselors near you Guides you through the steps to prepare for your counseling session Helps you organize your financial situation before your appointment Available in English and Spanish Your privacy is protected: No data is sold or shared Your information is encrypted and secure You stay in control of your data at all times HUD-certified housing counselors are trained professionals who work directly with mortgage servicers on your behalf. Shield Guide is not affiliated with HUD, the government, or any lender. This app does not provide legal or financial advice.