The Blender Platform vs NinjaCard®

Lend and Borrow. The Blender Platform is a blockchain powered open-end credit platform in which authenticated users can create their own credit-lines (and set their preferred interest rates and minimum monthly payments) using smart contracts on the xDAI Blockchain. Potential lenders may browse through available smart contracts on the platform, assess borrower credibility with quantitative statistics and choose to which borrowers to lend money. Borrowers receive lent funds from lenders via the borrowers' credit-lines. Upon the receipt of funds, the borrower must withdraw the funds for release into the borrower's Blender Wallet. At the point of final withdrawal of funds from the smart contract into the borrower's virtual wallet, the withdrawn funds begin to accrue the interest at the rate designated by the borrower at the credit line's creation. The borrower is now to repay these funds, and a lack of doing so results in poor statistics on the platform and decreased credibility. In addition, lenders may reclaim the remaining liquid portions of their contributions which have not yet been withdrawn, at will. The Blender Platform reserves the right to obtain owed funds from delinquent borrowers as described in our terms, available online at https://lenderblock.io/termsandconditions-tbp Blender Pro Plus subscription offers benefits including lending to borrower accounts commission-free, free global transfers to friends and family, access to collateral-free credit-limit increases for borrowers via the Blender Verified Registry, access to live-support, and zero monthly Blender Wallet charges. Blender Pro Plus Membership is an auto-recurring monthly subscription of 7.99 USD per cycle; members may cancel at any time. The Blender Platform Terms of Use: https://lenderblock.io/termsandconditions-tbp The Blender Platform Privacy Policy: https://lenderblock.io/privacypolicy-tbp

Your car breaks down. You need $1,800. The app you've been using offers $500. That's the gap NinjaCard® was built for. NinjaCard’s FlexLine Line of Credit can give you revolving credit up to $2,500 — draw what you need, pay it back, draw again. No minimum credit score. No reapplying. No disappearing after one use. FlexLine is currently available in: AL, AZ, DE, FL, ID, IN, KS, KY, LA, MI, MN, MO, MS, MT, NE, OH, OK, SC, TN, TX, UT, WI, and WY. Not in your state yet? Join the waitlist at ninjacard.com. FLEXLINE — CREDIT ACCESS UP TO $2,500 • Revolving line of credit — borrow, repay, borrow again • No minimum credit score required • We evaluate your income and banking history — so we can say yes when traditional lenders say no FLEXBANKING — CHECKING AND SAVINGS • FDIC-insured checking and savings accounts • Visa debit card accepted everywhere Visa is • Get paid up to 2 days early with direct deposit • No overdraft fees, no NSF fees, no minimum balance penalties • Banking services provided by Republic Bank of Chicago, Member FDIC FLEXADVANCE MEMBERSHIP— CREDIT TOOLS PLUS A CASH ADVANCE • $2.99/month subscription fee provides access to: • Experian credit monitoring, score tracking, and score planning • A $100 cash advance available when you need it • Subject to subscription terms • Learn more at ninjacard.com YOUR PATH FORWARD • The NinjaCard platform is designed to help you progress towards prime • The longer you stay and the better your financial habits, the more you can unlock • Responsible use may reduce your fees and increase your limits over time MEMBER PERKS — MORE VALUE, EVERY DAY • Earn money playing games • Save on meal delivery and streaming • Get deals on clothing, electronics, and travel • No searching. No clipping. Access in the NinjaCard app. If you’ve ever felt like the traditional banking system wasn’t built for you — it wasn’t. NinjaCard was. From the team behind CreditNinja — 275,000+ Americans served since 2018. Download the NinjaCard app today to see what you qualify for. NinjaCard, LLC isn’t a bank, it’s the financial platform focused on real progress for real Americans that traditional banks overlooked. Banking services provided by Republic Bank of Chicago, Member FDIC. FlexLine provided by First Electronic Bank or another lender named in your agreement. FlexLine availability varies by state. NinjaCard may report information about your FlexLine account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.