VetraFi vs Creasti

One app for your pay, your savings, & your spending.⁵ Set up direct deposit with myPay if you're active duty, or submit your SF-1199A if you're new to service Get 3.00% APY⁴ on your savings Open with $0 & keep no minimum balance4,5 Spend safely with the Shield Card.5 Never spend money you don't have, your limit is your deposit balance² Open your account with no credit pull¹² & no annual fee¹⁰ Nationwide ATM Access Use any ATM where Mastercard® is accepted³ Eligible fees reimbursed up to $15 a month6,7 Apply in minutes Open your account right from your phone.¹¹ Get Financially Fit with VetraFi! Earn It. Disclosures: 1 VetraFi is a financial technology company, not a bank. Banking services provided by First Bank of the Lake, Member FDIC. 2 The Shield Card is a secured charge card. Your credit limit is based on the amount of eligible funds in your deposit account and may increase or decrease as that balance changes. Funds securing your credit obligations are not available for withdrawal or transfer. Terms and conditions apply. See VetraFi Secured Charge Card Agreement. 3 The VetraFi Shield Card is issued by First Bank of the Lake, pursuant to license from Mastercard International Incorporated. Cardholder terms and limitations apply. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. 4 APY means Annual Percentage Yield. APY is accurate as of date of publication. Minimum deposit required to fund Savings Account is $0.00. Interest rates and APY are subject to change at any time without notice. Fees could reduce the earnings on Savings Account. Funds must be held in Savings Account to earn interest. Other terms apply. See VetraFi Savings Account Agreement for details. 5 This Shield Card Account is opened together with a separate Secured Deposit Account and a Savings Account. See agreements available at www.vetrafi.com/legal for full terms and conditions. 6 VetraFi does not maintain a fee-free ATM network. Your card can be used at any ATM where Mastercard is accepted. ATM operators may charge a fee for cash advances. VetraFi will reimburse up to $15 per month or 4 fees per statement cycle for eligible fees; limits and conditions apply. 7 ATM cash advance limits apply. See Secured Charge Card Agreement for details. 8 Early access to direct deposit is available for eligible account holders who set up direct deposit with their employer or paying agency. Early access is based on when First Bank of the Lake receives notice of payment from the payer and is generally one to two days before the scheduled payment date. Early access is not guaranteed and may vary between pay periods. If the deposit is delayed, reversed, or not received by the Bank, previously available funds may be removed from your Account. See Secured Deposit Account Agreement for details. 9 Deposits are held at First Bank of the Lake and are eligible for pass-through FDIC insurance up to $250,000 per depositor, per ownership category, if requirements for pass-through coverage are met. FDIC insurance applies only if the FDIC-insured bank fails. 10 The fees applicable to your accounts are disclosed in the respective account agreement for the account. Each of the account agreements are available at www.vetrafi.com/legal. 11 Products and services offered through VetraFi are subject to approval. Terms and conditions apply. See account agreements available at www.vetrafi.com/legal for details. 12 Opening a VetraFi account does not result in a credit inquiry. Your Shield Card credit limit is based on the amount of eligible funds in your deposit account, not on a review of your creditworthiness. To open an account we must verify your identity, which may include obtaining information from consumer reporting agencies. Account opening is subject to identity verification and approval. Terms and conditions apply. Full agreements can be found at vetrafi.com/legal

Creasti turns saving money into a daily habit — like Duolingo, but for your wallet. Award-winning app recognized with the Impact Award at the 2026 CSU I4E Showcase and the Excellence in Social Innovation Award at CSU Demo Day 2026. Most finance apps track your money. Creasti changes your habits. Creasti is a behavioral savings app that turns financial wellness into a daily habit — not a chore. Think streaks, levels, and an AI coach that remembers you. HOW IT WORKS Set savings goals. Make small deposits. Build a streak. Level up. That's it. KEY FEATURES - Goals & Streaks — Set targets, log deposits, watch your streak grow. Miss a day, lose your streak. - AI Coach — Powered by advanced language models. Ask anything about saving, budgeting, or your goals. Remembers your context across conversations. - Family Circles — Save together with family or friends toward shared goals. Leaderboards, shared progress, celebrations when the circle hits its target. - Learn & Earn — 15 short financial literacy lessons, quiz after each, earn XP. Built like Duolingo, focused on real-world money skills. - Savings Health Score — A composite score of your saving health, updated in real-time from deposits, streak, diversification, and consistency. - Insights Dashboard — Weekly recap, spending trend analysis, goal pace forecasts, and personalized nudges. - Smart Notifications — Gentle reminders that adapt to your behavior. Day 1 welcome, streak protection, Sunday recap. - Virtual Savings Vault — After every deposit, confirm you moved the money. Track the gap between logged and confirmed savings. - Milestone Sharing — Share your streaks and wins as beautiful cards designed for Instagram Stories. - Spending Analytics — 3-month trend charts, smart budget alerts, and day-of-week spending patterns to help you see where your money actually goes. - Group Savings Circles — Pool savings with friends for specific events. Spring break, apartments, birthday gifts, and custom events. Track contributions, invite members, and celebrate when the goal hits. - Weekly Challenges — Five auto-refreshing challenges every Monday, including Save $25 this week, Scan 3 receipts, Hit a 5-day streak. Earn XP for completion. - Referral Program — Invite friends with your unique code. When they join, both of you unlock 14 days of Premium free. - Coach Memory — Your AI coach remembers your conversations across sessions, making advice increasingly personal over time. WHY CREASTI Behavioral science is built into every pixel. We don't just track your money — we help you build the habit of saving it. Streaks, celebrations, social accountability, and positive reinforcement work together to make saving money feel as good as any other habit you're proud of. BUILT BY A STUDENT, FOR EVERYONE Creasti was built by Dieulin Napoleon, a finance student at Colorado State University, as a response to a simple truth: knowing how to save is not the same as actually saving. Awarded Impact Award (CSU I4E 2026) and Excellence in Social Innovation (CSU Demo Day 2026) for solving a real societal problem. PRICING Free to use with 2 goals. Creasti Premium ($9.99/month) unlocks unlimited goals, unlimited AI coach, family circles, boosts, and the full Learn & Earn library. Subscription auto-renews monthly unless canceled. Cancel anytime in App Store settings. No refunds for unused time. Terms: creasti.com/terms Privacy: creasti.com/privacy Questions? creasti.saving@gmail.com