Description of Step: Build Credit Get Rewards

Step is an all-in-one banking solution with 4+ million users and is designed to help the next generation build smarter money habits. With Step you can earn a best-in-class 5% savings rate, which is more than 12x the national average, an FDIC-insured bank account and a FREE Visa¹ Secured Card. Step is the best way to build a positive credit history, even before you turn 18. The average Step User has an initial credit score of 723 when they turn 18! With the Step App, you can invest in stocks, set savings goals, earn rewards, send and receive money instantly, and get up to 3x points when you set up direct deposit. Step lets you easily track your transaction history, portfolio balance, and savings progress, and sets you up for a lifetime of financial success from the moment you sign up, which you can do without any monthly fees.

Benefits of Step:
- 5% Savings rate
- No signup fees, no monthly fees, no overdraft fees
- Instantly send money to your teens
- Automate your teen’s allowances & skip or adjust anytime
- Earn up to 3x points
- Merchant blocking
- Connect your existing debit card, bank account, or other apps for instant transfers
- Visibility into your teen’s spending and savings
- Access to Step’s Financial Literacy curriculum
- Rewards at top merchants
- Customer support 7 days a week
- Freeze your teens’ Step Card anytime
- Add your whole family to Step
- Protected by Visa's Zero Liability Policy²

For Parents:
Step, with 4+ million users, is the all-in-one banking solution for the next generation designed to help teens and young adults build smarter money habits and become financially responsible. It is free to sign up for Step and it doesn’t have any monthly fees or overdraft fees, and offers a best-in-class 5% savings rate with an FDIC-insured bank account and a free Visa¹ Card. Step is the best way to build a positive credit history with every purchase they make, even before they turn 18, and The average Step User has an initial credit score of 723 when they turn 18! Step gives teens real-world money practice that equips them to become financially responsible and doesn’t allow your kids to spend more than what they have in their account. The Step App provides insights into teens’ spending and saving, so parents can have peace of mind knowing that their teens’ transaction history is only a click away. With features like direct deposit, savings goals, merchant blocking and automated allowance payments, parents can feel confident that Step is setting their teen up for financial success.

Benefits of Step for parents:
- 5% Savings rate
- No signup fees, no monthly fees, no overdraft fees
- Instantly send money to your teens
- Automate your teen’s allowances & skip or adjust anytime
- Earn up to 3x points
- Merchant blocking
- Connect your existing debit card, bank account, or other apps for instant transfers
- Visibility into your teen’s spending and savings
- Access to Step’s Financial Literacy curriculum
- Rewards at top merchants
- Customer support 7 days a week
- Freeze your teens’ Step Card anytime
- Add your whole family to Step
- Protected by Visa's Zero Liability Policy²

¹Step is a financial services platform. Banking services provided by and the Step Visa card issued by Evolve Bank and Trust, member FDIC.

²Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use.

³Out-of-network ATM withdrawal fees apply.

⁴Early access to direct deposit funds depends on the timing of the submission of the payment file from your payer. These funds are generally made available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.