Description of Albert: Banking on you

THE SIMPLE WAY TO BANK, SAVE AND INVEST

Bank, save, invest, and budget — with a Genius team of money experts to guide you. Get up to $250 with Instant and set up direct deposit to get paid up to 2 days earlier. With Genius you can also earn cash back with your debit card and save and invest automatically in the app.

Albert is not a bank. See disclosures below for details.

EVERYONE NEEDS A GENIUS IN THEIR LIFE

Our Genius team of real human experts are here to answer everything, from the toughest to the simplest to the most embarrassing questions. That means budgeting, credit cards, student loans — even buying a home. More than 10 million people trust us.

GET UP TO $250

Get up to $250 with Instant overdraft protection on your Albert Cash account. Fee-free. No credit check. Transfer, ATM, or other applicable fees may apply. Download the app to see what you qualify for.

SAVE SMARTER

Albert tracks your income and spending to find dollars you can save automatically with Genius. Plus get cash bonuses just for saving. If you need the money you’ve set aside, withdraw it any time.

GUIDED INVESTING

Invest your money with Genius. Buy stocks and themed ETFs like companies supporting a sustainable world. Plus, let Genius create your custom portfolio built for your financial goals. Start with just $1.

SECURITY

• Albert uses cutting-edge security technology to protect your sensitive information.
• Albert Cash and Albert Savings accounts are FDIC-insured. Should the member bank holding your balance fail, you'll be insured for up to $250,000 of your money in the account. Albert Investing accounts are not FDIC insured or bank guaranteed.
• Albert Securities is a Member of SIPC, which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at www.sipc.org.

DISCLOSURES

Albert is not a bank. Banking services provided by Sutton Bank, Member FDIC. Albert Savings accounts are held for your benefit at FDIC-insured banks, including Coastal Community Bank and Wells Fargo, N.A. The Albert Mastercard® debit card is issued by Sutton Bank, Member FDIC, pursuant to a license by Mastercard. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Cash withdrawal fees apply to ATM withdrawals.

Albert Instant is an optional service that allows eligible members to overdraw their Albert Cash account beginning at $10 and going up to $250 for debit card purchases, ATM withdrawals, and transfers. Eligibility can vary and is based on each individual’s ongoing account history and activity, and is up to Albert’s discretion. If overdrafts are not repaid within 10 days, you may be suspended from accessing additional overdrafts. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay.

Bonus and cash back programs subject to terms. Early access to direct deposit funds may vary depending on the payer’s deposit timing. See app for details.

Securities products and services offered to self-directed investors through Albert Securities LLC, Member FINRA/SIPC. View important disclosures at albrt.co/disclosures

Advisory services offered through Albert Investments, LLC. Investments are risky: you could lose money, and past performance is no guarantee of future returns. For more information, see our Form ADV Part II and our Terms of Use at albert.com.