Extra vs Binta

Your best life starts with better credit. Swipe the Extra Debit Card daily to help track your purchases, build credit*, and earn reward points* on every purchase. • Less than 15 minute to apply ▪ No credit check required ▪ Earn up to 1% back in reward points* ▪ Get the best looking debit card ever ▪ Check out our plans and apply online on our website. HOW IT WORKS ▪ Sign up by connecting your bank account* and get a spending limit based on your bank balance* with no credit check. ▪ When you swipe your Extra Debit Card, we spot you for that purchase and automatically pay ourselves back. ▪ At the end of the month, we total up all of your transactions and report them to credit bureaus as credit-worthy payments. DOWNLOAD THE NEW AND IMPROVED APP You'll unlock: ▪ Exclusive content to help you make sense of credit ▪ Access to the Rewards Store ▪ Giveaways for MacBooks, PS5s, gas cards, and more. ▪ Easy card management ▪ More FOMO-inducing features coming soon BETTER CREDIT CAN HELP YOU ▪ Qualify for an apartment ▪ Buy a home ▪ Get a better interest rate on a car **Pricing and rewards availability will vary depending on plan and term selected. *Impact on your credit score may vary depending on your use. Extra is required to report both on time and late payments, which may negatively impact your credit score. Advertised credit claims are typical results for customers who use Extra as recommended and are based on a study using data from Experian. To learn more, visit extra.app/study. ¹The Aligned Company d/b/a Extra ("Extra") is a technology company, not a bank. The Extra Debit Card is issued by Evolve Bank & Trust or Patriot Bank N.A. (Member FDIC), pursuant to a license by Mastercard International. Line of credit provided by Lead Bank. This Card can be used everywhere Debit Mastercard is accepted. Rewards points only available with rewards plan. Membership fees apply. Please refer to our Terms of Service and Cardholder Agreement for additional details. ²Increases or specific changes to your credit score are not guaranteed. Extra is responsible for credit reporting and reports on time and late payments, which may impact a credit bureau's determination of your credit score either positively or negatively. Credit scores are independently determined by credit bureaus based on a number of factors, including your other financial transactions. Extra reports to Experian® and Equifax®. Extra and related services will not remove negative credit history from your credit report. ³To transact with your Extra Debit Card, you must have an active, Plaid-compatible bank account linked to Extra's services ("Partner Account"). If your Partner Account is disconnected from Extra services for any reason, you will not be able to use your Extra Debit Card. Within 30 days of the date of each transaction made using your Extra Debit Card, Extra will initiate one or more ACH debits to deduct equivalent funds from your Partner Account. These ACH debits typically deduct funds from your Partner Account within 2 to 3 business days after initiation by Extra or 14 days after your transaction depending on repayment program selected. This communication is for informational purposes only and should not be considered financial advice. THIS IS A LOAN SOLICITATION ONLY. THE ALIGNED COMPANY IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.

Welcome to Binta - Transform Your Rent into a Financial Powerhouse! Binta is here to revolutionize renting in Canada, bringing tenants, landlords, and property managers an innovative app that makes renting easier, more rewarding, and financially beneficial for everyone. With Binta, your rent not only secures your home but also boosts your credit score, simplifies payments, and provides a suite of financial services at your fingertips. Why Choose Binta for Rent Reporting? For Tenants: Build Your Credit History: Each rent payment reported through Binta helps establish or improve your credit score, opening doors to better financial opportunities. Seamless Rent Reporting: Effortlessly report your rent to major credit bureaus in Canada with a few taps on your mobile phone through this app. Unlock Rewards: Earn valuable rewards for every rent payment, making each month more rewarding. Financial Education and Empowerment: Access tailored financial education resources to help you understand and navigate Canadian financial systems. Your Financial Journey Starts Here! How It Works Sign Up: Quick and easy registration. Get started with Binta in just a few clicks. Report Your Rent: Start reporting your rent payments to credit bureaus and watch your credit score grow. Earn Rewards: Collect rewards and points for every rent payment, redeemable for a wide range of rewards. Join a Community of Empowered Tenants Binta is more than an app; it's a movement towards financial inclusion and empowerment for tenants across Canada. Whether you're renting your first apartment or leveraging your rental history for future financial goals, Binta is your trusted companion. For Landlords & Property Managers: Attract and Retain Responsible Tenants: Encourages a pool of tenants who value timely payments, aiming to build or enhance their credit scores. Reduces Late Payments: The incentive of positively affecting credit scores motivates tenants to pay rent on time, ensuring steadier cash flow for landlords. Enhances Property Appeal: Makes properties more attractive to potential tenants, especially those looking to improve their financial standing, potentially allowing for higher rents and quicker tenant placement. Supports Tenant Financial Health: Shows a commitment to tenants' financial well-being, fostering positive relationships and reducing turnover by helping them build credit through rent payments. Key Features: Quick and easy setup of your rental account. Secure and automatic rent payment reporting to credit bureaus. Real-time tracking of your credit score improvement. Exclusive access to financial rewards and educational content. Ready to Transform Your Rental Apartments or Housing units? Download Binta now and start building a brighter financial future with every rent payment. Welcome to smarter renting—welcome to Binta.