NinjaCard® is a full-service financial solution designed to meet your banking and borrowing needs.  NinjaCard® features a checking account, accessed by your Visa® debit card, and a savings account that can earn interest (“FlexBanking”).  FlexBanking™ is provided by Republic Bank of Chicago, Member FDIC.  Additionally, you can draw funds from an optional line-of-credit (“LOC”), borrowing only what you need, receiving draws to your checking account, making LOC payments tailored to your regular income interval, and reborrowing as many times as you want up to your credit limit (“FlexLine”).  FlexLine™ is provided by First Electronic Bank, an FDIC-insured, state-chartered industrial bank headquartered in Salt Lake City, Utah (“FEB”) or other the lender named in the LOC Agreement.

NinjaCard, LLC is a financial technology company, not a bank. Although
 NinjaCard, LLC acts as program manager for NinjaCard® FlexBanking™,
 the deposit account products and deposit account banking services,
 including the NinjaCard Visa® Debit Card are provided by Republic Bank
 of Chicago, Member FDIC (“Republic Bank’). Similarly, although
 NinjaCard, LLC acts as program manager for NinjaCard® FlexLine™, the
 lender on the line-of-credit (“LOC”) is First Electronic Bank, an
 FDIC-insured, state-chartered industrial bank headquartered in Salt Lake
 City, Utah or the other lender named in the LOC agreement.
 
 
 *Lender Disclosures. In these
 FlexLine™ lender disclosures, the terms “FlexLine™” and “NinjaCard®
 FlexLine™” mean the line-of-credit (“LOC”) issued by First Electronic
 Bank, an FDIC-insured, state-chartered industrial bank headquartered in
 Salt Lake City, Utah (“FEB”) or other the lender named in the LOC
 agreement. The lender that issues your FlexLine™ may vary based on your
 state of residence and credit limit. To identify the lender of your
 FlexLine™, refer to the first paragraph of the Terms and Conditions of
 the LOC agreement. The LOC agreement—not any other document, statement,
 or action—shall govern the identity of your FlexLine™ lender. The
 FlexLine™ lender makes the loan decision, communicates the decision to
 the applicant, and disburses LOC draws to approved applicants.
 NinjaCard, LLC, the program manager for FlexLine™, services and
 collects your FlexLine™ on behalf of the lender. Accepted payment
 methods for FlexLine™ include one-time ACH or recurring ACH—which you
 may authorize through your secure online account located at
 www.ninjacard.com—and personal check, money order, or cashier’s
 check—which you mail to the remittance address listed in the LOC
 agreement. Cash and in-person payments are not accepted. FlexLine™ may
 not be available to residents of some states. See disclaimers appearing
 on the FlexLine application for details.
 
 
 **Draw Disclosures. You need not
 hold a NinjaCard Visa® Debit Card to be eligible for a FlexLine™. If
 you choose to obtain both a NinjaCard Visa® Debit Card and a
 FlexLine™, then the FlexLine™ lender will disburse LOC draws to your
 NinjaCard checking account held by Republic Bank of Chicago, Member
 FDIC. If you open a FlexLine™ but do not obtain a NinjaCard Visa®
 Debit Card, then the FlexLine™ lender will disburse LOC draws to any
 U.S. domiciled deposit account you choose to link to your FlexLine™.
 Your use of the NinjaCard Visa® Debit Card or any other FlexLine™
 linked account will never automatically initiate a LOC draw, even if the
 proposed transaction would exceed the balance of the deposit account to
 which the card is attached. Instead, you must affirmatively authorize a
 LOC draw by either logging in to the NinjaCard® online banking platform
 (www.ninjacard.com) or using the NinjaCard® mobile application. LOC
 draws disbursed to your linked bank account will generally become
 available 1-2 business days after you request the draw. The funds
 availability policies of the financial institution holding your bank
 account could delay draw availability beyond this 1-2 business day
 period. As the LOC lender has no control over the funds availability
 policies of your linked bank, you should review your bank’s
 deposit-account disclosures for details.
 
 
 †Deposit Disclosures. In these
 FlexBanking™ deposit disclosures, the terms “FlexBanking™” and
 “NinjaCard® FlexBanking™” mean, collectively, the NinjaCard Visa®
 Debit Card and the checking and savings accounts held by Republic Bank
 of Chicago, Member FDIC. Republic Bank issues the NinjaCard Visa® Debit
 Card pursuant to a license from Visa U.S.A. Inc. The card may be used
 everywhere Visa® Debit Cards are accepted. Republic Bank holds two
 deposit accounts, a checking account associated with your NinjaCard Visa
 Debit Card and a savings account. You cannot have a checking account
 without the companion savings account. Funds deposited in the checking
 and savings accounts are insured aggregately up to $250,000. Banking
 services may not be available to residents of some states. See
 disclaimers appearing on the account application for details.
 
 
 ††Rewards Disclosures. Under the
 NinjaCard® rewards program, eligible customers may receive reduced
 FlexLine™ finance charges. Rewards eligibility requirements include
 avoiding any fee delinquency or negative balance in your FlexBanking™
 checking and savings accounts, avoiding any payment delinquency in your
 optional FlexLine™, and authorizing the direct deposit of at least $500
 of recurring monthly income (e.g., not loan proceeds) to your
 FlexBanking™ checking account. See the NinjaCard® website
 (www.ninjacard.com) for details concerning your eligibility and
 benefits. Please note: Your FlexLine™ will not be provided by Republic
 Bank of Chicago. Instead, FlexLine™ will be provided by the lender
 named in the line-of-credit agreement.
 
 
 ‡Early-Access Disclosures. Early
 access to direct deposit funds to your FlexBanking checking account
 depends on the timing of the submission of the payment file from the
 payer. We generally make these funds available on the day the payment
 file is received, which may be up to two days earlier than the scheduled
 payment date.
 
 
 
 ‡‡ANNUAL PERCENTAGE YIELD (“APY”) DISCLOSURES.
 
 The Annual Percentage Yield (“APY”) for the NinjaCard® 
 savings account is variable and may change at any time. The disclosed
 0.35% APY is effective as of May 16, 2025. No minimum balance is
 required. See the Deposit Rate Disclosure for the current APY.
 
 
 Mobile Application. You can
 manage your NinjaCard® features—including your NinjaCard Visa® Debit
 Card, your FlexBanking™ checking and savings accounts, and your
 optional FlexLine™ line-of-credit—with either the online banking
 platform, located at www.ninjacard.com, or the NinjaCard® mobile
 application, available on the Apple App Store and Google Play. Apple,
 the Apple logo, and iPhone are trademarks of Apple Inc., registered in
 the U.S. and other countries. App Store is a service mark of Apple Inc.,
 registered in the U.S. and other countries. App Store is a service mark
 of Apple Inc. Google, Android and Google Play are trademarks of Google
 Inc., registered in the U.S. and other countries.
 
 
 
 Notice of Furnishing Negative Information.
 
 NinjaCard, LLC may report information about your NinjaCard® FlexLine™
 account to credit bureaus. Late payments, missed payments, or other
 defaults on your account may be reflected in your credit report.
 
 
 
 Important Information About Procedures for Opening a New Account.
 
 To help the government fight the funding of terrorism and money
 laundering activities, federal law requires all financial institutions
 to obtain, verify, and record information that identifies each person
 who opens an account. What this means for you: When you open an account,
 we will ask for your name, address, date of birth, and other information
 that will allow us to identify you. We may also ask to see your driver’s
 license or other identifying documents.

With the NinjaCard FlexLine, you can borrow only what you need, make payments with a billing cycle tailored to your regular income interval, and reborrow as many times as you want up to your credit limit. To authorize a FlexLine draw, simply login to your NinjaCard online account (<a href="https://www.ninjacard.com">www.ninjacard.com</a>) or use the NinjaCard mobile application. The FlexLine lender will disburse the draw to your NinjaCard checking account or to any other deposit account you choose to link to your FlexLine.

Account	Interest Rate	Annual Percentage Yield (APY)	Minimum Opening Deposit	Minimum Balance to Obtain APY
Checking Account	0.00%	0.00%	$0.00	N/A
Savings Account	0.35%	0.35%	$0.00	$0.00

NinjaCard® Deposit AccountsDeposit Rate Disclosure

NinjaCard^® Deposit Accounts
Deposit Rate Disclosure