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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 another 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 another 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 debit card, 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 an 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 January 16, 2026. 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. Google, Android and Google Play are trademarks of Google Inc., registered in the U.S. and other countries.

NOTICE OF FURNISHING NEGATIVE INFORMATION. We 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.

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