Kobsol vs U.S. Cherry

KobSol – The Future of Lending Circles KobSol is a modern financial app that brings the trusted tradition of “Sol” group savings into the digital age. Designed for individuals with limited or no credit history and those already participating in informal lending circles or “Susu” groups, KobSol makes it easy to save, borrow, and build credit—all in one secure and transparent platform. With digital lending circles, users can easily contribute and receive funds while their activity helps build real credit history, opening doors to greater financial opportunities. The app also includes built-in financial education courses to help users learn how to manage, save, and grow their money. In addition to lending circles, KobSol offers integrated banking tools such as digital checking and savings accounts, credit cards, and more. Members also gain access to exclusive discounts on credit monitoring, identity theft protection, and other essential financial services. Built by finance and tech experts who understand the needs of underserved communities, KobSol is focused on empowering users with culturally-rooted tools for financial success. With 7 in 10 Americans lacking even $1,000 in savings, KobSol offers an essential solution for building wealth and creating equity through community collaboration. Join the movement—download KobSol today and take control of your financial future, together. Learn more at: www.kobsol.com

You can open different investment accounts and have them managed by U.S. Cherry using strategies that are primarily ETF-based and aligned with your selected account and investment profile. GETTING STARTED IS SIMPLE: 1. Choose an account 2. Complete your profile 3. We review your application 4. Fund your account AVAILABLE ACCOUNT OPTIONS INCLUDE: Essential Portfolio Account A diversified stock-and-bond ETF portfolio designed for those getting started. Minimum investment: USD 100. S&P 500 Account Exposure to the 500 largest U.S. companies through ETFs that seek to track the index. Minimum investment: USD 100. Cash Yield Account Cash management through short-term U.S. Treasury ETFs. Yield is variable and subject to change. Minimum investment: USD 100. Automated Investment Portfolio Account A diversified ETF portfolio based on your investment profile and selected strategy. Minimum investment: USD 3,000. Crypto Account Crypto-related exposure through ETFs and exchange-traded products linked to cryptocurrencies. Minimum investment: USD 3,000. Bond-Only Account A fixed-income portfolio implemented through bond ETFs. Minimum investment: USD 3,000. IMPORTANT INFORMATION: U.S. Cherry LLC is an investment adviser registered with the U.S. Securities and Exchange Commission. Registration does not imply any level of skill or training. Client assets are held in the client’s own account at an independent custodian, including Interactive Brokers and Charles Schwab. U.S. Cherry does not custody client assets or client funds. References to Interactive Brokers or Charles Schwab are for informational purposes only and do not imply affiliation, endorsement, or sponsorship. U.S. Cherry’s role depends on the type of advisory relationship with the client. In a non-discretionary relationship, U.S. Cherry provides investment advice and recommendations, and the client decides whether to act on those recommendations. In a discretionary relationship, U.S. Cherry selects investments and implements portfolio allocations within the client’s account held at the independent custodian. We use security measures designed to help protect client information, including encryption and two-factor authentication. Crypto-related investments involve higher volatility and additional risks, including the risk of significant loss. Additional broker eligibility requirements or restrictions may apply and are determined independently by the broker. Investing involves risk, including possible loss of principal. U.S. Cherry is not a bank. Cash strategies are held in an investment account, not a bank account, and are not FDIC-insured bank deposits. Cash Yield strategies invest through short-term U.S. Treasury ETFs, and any displayed yield is for reference only, is not guaranteed, and is subject to change. The “S&P 500 Account” name is used solely to describe the investment strategy. The account primarily invests in ETFs that seek to track the performance of the S&P 500 Index. This naming does not imply affiliation with, endorsement by, or sponsorship from S&P Global Inc. or its affiliates. S&P 500 and related marks are trademarks of their respective owners and are used for descriptive and informational purposes only. Information provided in the app is for informational and illustrative purposes only and does not constitute financial, tax, or legal advice or an offer to buy or sell securities. Any forward-looking statements, expected returns, hypothetical illustrations, or projected outcomes are illustrative only and do not reflect actual client results. Hypothetical performance has inherent limitations and does not reflect actual trading, fees, or market conditions. Any testimonial or illustrative review may not be representative of all clients’ experiences, and past performance is not indicative of future results.