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Percapita Group, Inc. is a digital company that provides access to products and services to improve financial wellness. Percapita is not a bank. Percapita deposit accounts are provided by Sutton Bank, Member FDIC. The funds in your deposit accounts are eligible for FDIC insurance up to $250,000 on a pass-through basis. The availability of FDIC insurance is contingent upon Percapita maintaining accurate records and determinations of the FDIC as receiver at the time of a receivership if Sutton Bank should fail. Such coverage is subject to aggregation of all of your deposits held at Sutton Bank. For further information about deposit insurance generally, you may write to the FDIC at 550 17th Street, N.W., Washington D.C. 20429, telephone the FDIC’s toll-free hotline at 877-275-3342, or visit its website at www.fdic.gov.

The Percapita Visa® Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa debit cards are accepted. Visa is a registered trademark of Visa, U.S.A. Inc. All other trademarks and service marks belong to their respective owners.

* New Percapita customers who are one of the first 7,000 new customers to open a Percapita Cash Account between April 16, 2025, and December 31, 2026, shall earn a twenty-five-dollar ($25) incentive payment for each calendar month in which they spend three hundred dollars ($300) or more using their Percapita Visa® Debit Card during their first year after account opening. To be considered a new Percapita customer and thereby qualify for the incentive payment, you must not have previously opened a Cash Account. For purposes of this offer, using your Percapita Visa Debit Card for cash withdrawals at an ATM, cash substitutes (e.g., sports betting, casino chips, money orders, gift cards, prepaid cards, check cashing services) or for money movement (e.g., peer-to-peer transfers or account funding transfers) will not be considered spending or a purchase, and, therefore, will not contribute toward the three hundred dollar ($300) qualifying requirement. To qualify for a monthly incentive payment the new Cash Account must have a balance greater than zero and remain open and active throughout the applicable incentive month (which means that the account has been open and has had at least one monetary (non-fee) transaction during the applicable incentive month. If the above eligibility criteria are met, the $25 incentive payment will be credited to the new customer’s Cash Account within ten (10) business days of the applicable incentive month-end unless the customer has a Goals Account, then all incentives will be credited to the Goals Account. New Cash Account holders will also be eligible to receive an additional one-time incentive payment of $10 when they open a Goals Account within thirty (30) days of opening the Cash Account, which will be paid within ten (10) business days of Goals Account opening. This one-time $10 incentive payment will be credited to the newly opened Goals Account. This promotion is valid from April 16, 2025, through December 31, 2026. Percapita reserves the right to revoke or modify this offer at any time, with or without notice. If it is determined that a customer has engaged in or plans to engage in abuse or gaming in connection with this offer, that customer will be prohibited from further participation in the offer and will forfeit all rights to any incentive payments. Percapita may report to the IRS the value of any incentive payment made, and any applicable taxes are the responsibility of the recipient. Incentive payments are offered and paid by Percapita and not by Sutton Bank.

SB-28414

^1. For purposes of this disclosure, ‘penalty fees’ are defined in accordance with CFPB guidance as charges assessed for violating account terms (e.g., overdrawing, returned items, inactivity, or early closure), rather than for the use of optional or requested services.

^2. Cash Cushion is an optional, no-fee advance service provided by Percapita. Subject to eligibility.

^3. Penny Jar is an optional program provided by Percapita, not Sutton Bank.

^4. Out-of-network ATM withdrawal fees apply except at MoneyPass ATMs or Visa Plus Alliance ATMs.

^5. International Transfer services provided by Brightwell, a technology provider and not a bank or other regulated financial institution. All regulated international transfer services associated with ReadyRemit® are provided by The Bancorp Bank N.A. Terms and conditions apply.

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