H vs Worthium

Account opening is subject to registration and ID verification.¹ Say hello to The H-E-B® Debit Account, a great way to pay from a company Texans have trusted since 1905. Some of the benefits include: • Earn 5% cash back on H-E-B brand products² when you use the H-E-B Debit card. • There is no monthly fee to maintain your account. • Short on funds? With qualifying Direct Deposit, our Purchase Cushion³ may cover you up to $20 if you fall a little short. (Resolve negative balances within 30 days by adding funds to your account.) • Access funds up to 2 days faster⁴ with Direct Deposit. • Free cash withdrawals at H-E-B ATMs.⁵ • Add funds to your account at no cost⁶ by visiting the H-E-B Customer Service Center or checkout. Visit hebdebit.com to learn more. 1 ID verification required. We will ask for your name, address, date of birth and your government ID number. We may also ask to see a copy of your driver’s license or other documents at any time. 2 5% cash back applies only to H-E-B brand products purchased at a store register at H-E-B owned stores, or on heb.com using your H-E-B Debit Card issued by Pathward®, National Association, excluding “digital wallet” transactions. 5% cash back is limited to the amount of the purchase paid for using your H-E-B Debit Card and account number. Not valid for online purchases at Central Market®, Mi Tienda®, Joe V’s Smart Shop®, or through Favor®. No cash back for pharmacy prescriptions, gift cards, restaurants, fuel, car washes, purchases made using digital wallet software rather than presentation of your Debit Card account number, purchases made on the H-E-B Go app or at H-E-B Go kiosks, or purchases at mobile point-of-sale systems deployed in store. Cash back will be credited to your available balance within 7 business days after applicable purchase. Cash back offer by H E-B. Pathward, N.A., Mastercard, and Ouro Global, Inc. do not sponsor, and are not affiliated with the offer. 3 The $20 Purchase Cushion is not an extension of credit. To be eligible, Accountholder must have received qualifying Direct Deposits of paychecks and/or government benefits payments totaling at least $500.00 within one (1) calendar month. See the Deposit Account Agreement for details. 4 Faster funding claim is based on a comparison of the Pathward, National Association, policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction. 5 Free ATM withdrawals at H-E-B branded ATMs (“in-network ATMs”) in the US. Visit your Online Account Center for a list of in-network ATMs. Transactions at all non-H-E-B branded ATMs are $2.95, operator may assess additional charges. 6 There is no fee to add funds at participating H-E-B locations for the H-E-B® Debit Account. See the Deposit Agreement for details and additional fees. The H-E-B® Debit deposit account and H-E-B Debit Card are established by Pathward, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Ouro Global, Inc. is a service provider to Pathward, N.A. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Card may be used everywhere Debit Mastercard is accepted. © 2024 Ouro Global, Inc.

Why No Bank Connections? Worthium is built around a simple idea: your financial life should not require handing over access to your financial accounts. Bank-connected finance apps can be useful, but they often come with tradeoffs. Accounts disconnect. Logins expire. Passwords change. Institutions fail to sync correctly. You end up reconnecting accounts, approving access again, fixing missing data, or wondering whether your numbers are even accurate. Worthium avoids that entire mess. No bank linking. No account syncing. No reconnecting institutions. No remembering extra passwords. No wondering who has access to your financial data. Instead, Worthium gives you a clean, manual way to track your net worth with intention. There is also something more meaningful about entering your own progress. When your savings grow, your debt goes down, your investments increase, or your home equity rises, you get to record that moment yourself. You are not just watching numbers auto-sync in the background. You are actively tracking the wealth you are building. Worthium is for people who want privacy, clarity, and control. Not every transaction. Not every coffee. Not every bank login. Just the bigger picture: what you own, what you owe, and how your net worth is changing over time.