ZYNLO vs Primis Digital Banking

EARN MORE. BANK SMARTER. Bank better with ZYNLO—where your money works harder with high-interest accounts, no monthly fees, ZYNG Round-Up rewards^, Early Payday^^, and simple digital tools designed around you. MAKE MORE OF YOUR MONEY • ZYNLO helps you grow your money faster—and rewards you along the way with ZYNG. • High-yield checking^^^, savings* and Certificates of Deposit** • Award winning High Yield Money Market Account*** • No caps on interest earnings • Earn rewards with ZYNG while you bank • No monthly account fees BUILT FOR REAL LIFE • Everything you need—right in your pocket. • Get paid early with Early Payday • Move money easily between all your bank accounts • Add your debit card to your digital wallet • Diverse offering of high-yield products • Secure access with multi-factor authentication SMART SAVING, SIMPLIFIED • Whether you’re just getting started or building serious savings: • Savings and money market accounts designed to grow • Clear, simple savings tools to help you stay on track • Diverse offering of high-yield products to meet the needs of all customers • No hidden fees—ever Why Customers Choose ZYNLO • FDIC Insured • Competitive high-yield account offerings • No monthly fees • Early Payday—get paid up to two days early • Simple, modern digital banking mobile app Download ZYNLO today and start earning more from your money. PRODUCT DETAILS & DISCLOSURES ^ZYNG Round Up & Match is available only while you maintain eligibility requirements. See Truth in Savings section of Terms and Conditions for more details. Zynlobank.com/file/accountDisclosures. ^^Early Payday: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Current interest rates and Annual Percentage Yield (APY) for ^^^More Spending Account, *Tomorrow Savings Account, ***ZYNLO Money Market Account, and **ZYNLO Certificates of Deposit (CDs), are available at zynlobank.com/rates. Product terms, minimum opening deposit requirements, minimum balance requirements to earn APY, fees, eligibility requirements, and account disclosures are available at zynlobank.com/file/accountDisclosures Rates for variable-rate products are subject to change after account opening. CD rates are fixed for the term of the account. A penalty may be imposed for early withdrawal from a CD and is based on the maturity term and could reduce earnings. Transaction Limitations apply. Must be 18 or older to open any ZYNLO Bank account.

Ready for a banking app that redefines what you expect from digital banking? You’re in the right place. With us, it’s all about giving you a banking experience that’s smarter, faster, and more secure. Why settle for either cutting-edge tech or financial stability when you can have both? We combine the innovation of a fintech with the security of an FDIC-insured bank, giving you powerful features with the peace of mind you deserve. YOU’RE SECURE Before we tell you what makes us stand out, let’s start with what makes us safe. Primis is an FDIC member bank, which means the federal government insures your deposits. Plus, with advanced encryption protecting your data, your money and information stay secure every time you log in. YOU’RE IN GOOD COMPANY Customers with millions of dollars trust us to safeguard and grow their money. We have a team dedicated to tackling fraud and keeping your money safe from cyber scammers. YOU CAN CALL US 24/7/365 366 on leap years. Our Virginia-based customer care center is open all the time, staffed with real Primis teammates. Some digital banks outsource customer service to overseas call centers. That’s not our style. NO FEES. NO KIDDING. No account fees, no per-item fees, no overdraft fees—and no ATM fees. With Primis, we believe banking should be easy, not loaded with fees and fine print. For checking, we’ll refund ATM fees from other banks on the business day your statement cycle ends. (Heads up: Savings Accounts are not eligible for refunds of ATM fees from other banks.) MOVE MONEY. We expect you’ll want to spend your money and make deposits. Some banks want to charge you for this, which blows our mind. With Primis, you can send money to friends and family as fast as a text – with no transfer fees. Make deposits and schedule bill payments any time all from within our app. You can even get paid early. Once we’re notified of an upcoming direct deposit, we’ll go ahead and credit your account, up to two days early. ACCOUNTS THAT STAND OUT. We’re not just another pretty face. Our tools are top-notch, and our products speak for themselves. Choose an account that earns competitive interest or one that rewards you with every debit card purchase.