Albert: Banking on you 8.3.47

The Simple Way to Bank, Save and Invest: A Professional Review

Albert offers a comprehensive suite of financial services, including banking, saving, investing, and budgeting. With a team of knowledgeable money experts, you can receive guidance every step of the way. By using the Instant feature and setting up direct deposit, you may even receive your paycheck up to 2 days earlier. Additionally, Albert provides the opportunity to earn cash back with your debit card, automate your savings and investments, and ensure the safety of your money.

It's important to note that while Albert offers banking services, it is not a bank itself. For further details, please refer to the disclosures below.

Everyone Needs a Genius in Their Life

Albert's Genius team of human experts is available to assist with any financial question you may have. Whether you need advice on budgeting, credit cards, student loans, or purchasing a home, they are ready to help.

Up to $250 Available

Albert can provide an advance of up to $250 from your next paycheck without any late fees, interest charges, or credit checks. Download the app to determine your eligibility and learn more about this feature. Here are the details:

• No interest: No interest will be charged on the advanced amount.
• Repayment period: There is no mandatory minimum or maximum repayment timeframe. You can repay the advance when you receive your next payment or whenever it is convenient for you.
• Total processing fees: The total processing fees for advances up to $250 vary depending on the method chosen. It is either $0 per advance when using your Albert debit card with direct deposit or via ACH, or $3.99 per advance to your Albert debit card without direct deposit, or $6.99 per advance to a non-Albert debit card.

Save Smarter

With the Genius feature, Albert automatically analyzes your income and spending to identify areas where you can save money. You will even receive cash bonuses just for saving. If you need access to the funds you have set aside, you can withdraw them at any time.

Guided Investing

Albert also offers investment services through Genius. You can buy stocks, themed exchange-traded funds (ETFs), and even have a custom portfolio created to align with your financial goals.

Protect Your Money

Albert prioritizes the security of your funds. They continuously monitor for any suspicious activity, including monitoring the dark web and your accounts. With real-time alerts, you are promptly informed about potential threats to your identity or early signs of fraud.

Security

• Albert utilizes cutting-edge security technology to safeguard your sensitive information.
• Albert Cash and Albert Savings accounts are FDIC-insured. This means that if the bank holding your balance were to fail, you would be insured for up to $250,000 of the funds in your account.
• Albert Securities is a member of SIPC, which provides protection for securities customers of its members up to $500,000 (including $250,000 for cash claims). For additional information, you can request an explanatory brochure or visit www.sipc.org.

Disclosures

It's important to reiterate that Albert is not a bank and provides banking services through Sutton Bank, a member of FDIC. Albert Savings accounts are held for your benefit at FDIC-insured banks, such as Coastal Community Bank and Wells Fargo, N.A. The Albert Mastercard® debit card, issued by Sutton Bank, is licensed by Mastercard. Cash withdrawal fees do apply to ATM withdrawals.

Bonus and cash back programs are subject to specific terms and conditions. The timing of early access to direct deposit funds may vary depending on the payer's deposit schedule. To learn more about the details of these programs, please refer to the app.

*Calculated based on the VantageScore® 3.0 model. Your VantageScore 3.0 from Experian® provides an indication of your credit risk level and may not be used by all lenders. Therefore, it's possible that your lender may use a different score.

Securities products and services offered to self-directed investors are provided through Albert Securities LLC, a member of FINRA/SIPC. Please review the important disclosures at albrt.co/disclosures.

Advisory services are offered through Albert Investments, LLC. It's important to note that investments come with inherent risks, and there is no guarantee of future returns based on past performance. For further information, please consult our Form ADV Part II and our Terms of Use at albert.com.