Robinhood Banking vs Time ROI

The power of private banking paired with the only credit card you’ll need. GOLD CARD • Earn 3% cash back on all categories². • Use virtual cards with disposable card numbers for smarter, more private spending. • Securely manage your account—track spending, report suspicious transactions quickly, and freeze or unfreeze your card at any time. • Build your family's credit with the option to add cardholders of any age and track spending, set spending limits, and lock lost cards. • Enjoy no annual fee for Robinhood Gold members². • Travel, shop, and spend confidently with built-in protections, extended warranties, and 24/7 concierge support through Visa Signature. ROBINHOOD BANKING • Explore elevated essentials for modern banking like high-yield Savings accounts, 35,000 no-fee ATMs, 24/7 customer support, and more.¹ • Get full-service banking—wire transfers, check services, premium checkbooks—without ever visiting a branch. • Unlock premier banking benefits like high-yield on Checking, free wire transfers, and no-fee ATMs including out-of-network rebates with an eligible direct deposit, over $100K in assets across Robinhood, and a Robinhood Gold membership. Disclosures: Robinhood Gold Visa® Card is offered by Robinhood Credit, Inc., and is issued by Coastal Community Bank, pursuant to a license from Visa U.S.A. Inc. Robinhood Credit, Inc. (RCT), is a financial technology company, not a bank. Individual credit limits will vary by applicant and are subject to credit approval and underwriting. See if you’re approved with no impact to your credit score. Your credit will not be impacted unless you decide to accept the card offer. ¹All features and benefits require a monthly direct deposit amount of at least $1,000 into a Robinhood Checking account. Try benefits without direct deposit for a limited preview of 60 days. Transaction limits and fees may apply and depend on your relationship tier. An active Robinhood Gold subscription is required for Robinhood Banking. The Annual Percentage Yield (APY) is accurate as of January 29, 2026, and may change at any time before or after account opening. ²See full rates and fee details. Some limitations or conditions may apply. Must have Robinhood Financial brokerage account to redeem cash back. See rewards program terms for details. Rewards program terms are subject to change. To earn three (3) Points for each dollar of Eligible Purchases, the Robinhood Gold Card requires an active annual Robinhood Gold subscription and does not include a 30 day free trial. Robinhood Gold is a subscription-based membership program of premium services offered through Robinhood Gold, LLC (RHG). RCT and RHG are subsidiaries of Robinhood Markets, Inc. (Robinhood). Robinhood Banking is a financial services platform offered by Robinhood Money, LLC (RHY). RHY is a financial technology company, not a bank. Banking services are provided by Coastal Community Bank, Member FDIC. FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance is available through pass-through insurance at Coastal Community Bank, Member FDIC, if certain conditions have been met. RHY is a subsidiary of Robinhood. Robinhood, 85 Willow Road, Menlo Park, CA 94025. © 2026 Robinhood. All rights reserved.

Time ROI helps freelancers, contractors, and self-employed professionals understand what their time is actually worth. Track work hours, monitor expenses, log mileage, and measure your true effective hourly rate after business costs and non-billable time. Whether you’re freelancing full-time, running a side business, consulting, or managing multiple clients, Time ROI helps you see which work is truly profitable. FEATURES • Track billable and non-billable time • Monitor your real effective hourly rate • Log expenses and mileage • Track client payments • Compare client profitability • View work history and trends • Export and back up your data • Personalized onboarding based on your occupation BUILT FOR SELF-EMPLOYED PROFESSIONALS Designed for freelancers, consultants, creators, contractors, and small business owners who want better awareness of where their time and money actually go. PRIVATE BY DESIGN Your data stays on your device. No accounts. No unnecessary tracking. No cloud dependency. PREMIUM FEATURES Unlock advanced profitability insights, burnout awareness tools, trend analysis, client rankings, and enhanced reporting with Time ROI Premium. Privacy Policy:https://mytimeproducts.com/timeroiprivacy https://www.apple.com/legal/internet-services/itunes/dev/stdeula/