Affinity Plus Investing vs ayuta Pay

The Affinity Plus Investing app makes it easy to start investing, test different strategies, and build confidence at your own pace. INVESTING MADE SIMPLE • Buy stocks and ETFs starting with as little as $5 • Set up recurring investments and grow your portfolio over time TWO WAYS TO INVEST Self-Directed Investing Pick your own stocks and ETFs Managed Portfolios Answer a few questions and get a diversified portfolio tailored to your goals PRACTICE & LEARN • Invest with simulated money and test out your strategies without risking any real funds • Explore learning modules that cover the basics of stocks, securities, and ETFs • Get financial literacy resources for every stage of life TOOLS THAT KEEP IT SIMPLE • View your investments, performance, and account activity in one clean dashboard • Easily access statements and tax documents SAFE & SECURE • Bank-grade encryption and biometric login • SIPC-protected brokerage accounts • 24/7 fraud monitoring Brokerage and Investment Advisory Services Brokerage services are offered by TAPP Engine Securities, LLC (“TES”), a registered broker-dealer and member of FINRA and SIPC. TES is not affiliated with Affinity Plus Federal Credit Union (Affinity Plus). Investment products offered through TES are not products of Affinity Plus. Investment advisory services are provided by TE Advisors, LLC (“TEA”), an SEC-registered investment adviser. Registration does not imply a level of skill. TEA offers automated investment strategies such as Goal-Based Investing and Direct Indexing. These strategies come with risks, including market volatility and limitations of algorithm-driven advice. TEA partners with Tidal Financial Group, a leading ETF platform, to support the creation and operation of ETFs. While Tidal provides the infrastructure, TEA is solely responsible for investment decisions and portfolio management. Investments are not insured by the FDIC or NCUA, not guaranteed by any bank or credit union, are not the obligation of the credit union and may lose value. Affinity Plus is not a broker- dealer or registered investment adviser. All investments involve risk. Past performance is not a guarantee of future results. Please consult a financial professional if you have questions about your investment strategy.

Ayuta Pay empowers individuals and communities to fund each other through rotating savings groups and one-time crowdfunding, all without relying on banks or traditional financial institutions. Our platform is inspired by informal savings traditions like chamas, susus, and ayuta, and modernized to fit a secure, digital experience. Key Features: Group Funding (Rotating Savings & Credit Association) Create or join trusted funding circles. Each member contributes a set amount per cycle, and one member receives the full payout each round. Ayuta Pay automates the process, tracks contributions, and ensures fair and transparent payouts. One-Time Collections Need to raise funds for a special cause or emergency? Set a goal, invite contributors, and once your target is met, the money is sent directly to your chosen treasurer or recipient. Great for tuition, weddings, emergencies, or projects. Interest-Free Microloans No banks, no interest, no hidden fees. Use group support and social accountability to access needed funds, all built on mutual trust. Seamless Payments Members can pay securely via credit/debit card or e-check. Get real-time updates and alerts on contributions, group progress, and payouts. Encryption and compliance ensure financial security. Built for Community Ayuta Pay helps manage group dynamics with ease, track participant contributions, vote on payout schedules, and maintain a history of performance and trust. It’s more than money; it’s about connection and shared progress. Who Is It For? ● Immigrant and diaspora communities ● Entrepreneurs and side-hustlers ● Friends and family funding together ● Anyone seeking a bank-free, trust-based funding model Why Choose Ayuta Pay? ● No interest. No credit checks. ● Transparent group management. ● Mobile-first design. ● Secure & scalable. ● Empowers financial independence. How It Works: 1. Create or join a group. 2. Collect entry fees from members. 3. Vote on payout schedule or assign a treasurer. 4. Receive payouts and track contributions. 5. Create new groups and repeat the process. Ayuta Pay brings traditional community saving methods into the digital age, helping people fund dreams, emergencies, and goals together.