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Advisory services provided by Qapital Invest, LLC, an SEC-registered investment advisor. Brokerage services provided to Qapital Invest clients by either (i) Apex Clearing Corporation, an SEC-registered broker-dealer and member FINRA/SIPC or (ii) Wedbush Securities Inc., an SEC-registered broker-dealer and member FINRA/SIPC.

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<h3>Lincoln Savings Bank<br>Terms and Conditions</h3>

Terms Qapital Spending

<h1><strong>Qapital Everyday Referral Bonus Program&nbsp;</strong></h1><p>NO PURCHASE OR PAYMENT IS NECESSARY TO PARTICIPATE IN THIS PROMOTION.&nbsp; THIS PROMOTION IS VOID WHERE PROHIBITED OR RESTRICTED BY LAW OR WHERE&nbsp; BONDING, REGISTRATION, OR OTHER REQUIREMENTS WOULD BE REQUIRED BUT&nbsp; HAVE NOT BEEN MET, OR WHERE THE METHODS OF PARTICIPATION SET FORTH&nbsp; BELOW WOULD BE DEEMED CONSIDERATION. ALL APPLICABLE FEDERAL, STATE AND&nbsp; LOCAL LAWS APPLY.&nbsp;</p><p><strong>What is the Everyday Referral Bonus?&nbsp;</strong></p><p>The Qapital everyday referral bonus program offers a cash bonus (the “Everyday Referral&nbsp; Bonus”) to Qapital users referring first-time Qapital account holders (each such first-time&nbsp; accountholder a “Referred User”) and to each Referred User. The Everyday Referral Bonus&nbsp; amount will be determined from time to time and disclosed in the mobile app. The Everyday&nbsp; Referral Bonus will appear in the form of a deposit in your Qapital account.&nbsp;</p><p><strong>When will you receive the bonus?&nbsp;</strong></p><p>The referring Qapital account holder and the Referred User will receive the Everyday Referral&nbsp; Bonus once the Referred User makes a deposit to a Qapital goal and the Referred User’s&nbsp; account has been open and in good standing for 45 days with a successful membership&nbsp; payment processed. Qapital will consider a Qapital goal account in good standing when it has a&nbsp; positive account balance of at least $20 and an active, verifiable status.&nbsp;</p><p><strong>Who is eligible for the bonus?</strong></p><p>To be eligible for the Everyday Referral Bonus, the people you refer must use your personal&nbsp; invitation code when they sign up. Employees of Qapital are not eligible for the Everyday&nbsp; Referral Bonus. Wedbush Next powered by Qapital users are not eligible for the Everyday&nbsp; Referral Bonus. An existing Qapital user cannot refer himself, herself, or any other account&nbsp; attributable to such existing Qapital user.&nbsp;&nbsp;</p><p><strong>What is the amount of the bonus?&nbsp;</strong></p><p>The Everyday Referral Bonus amount is subject to change in Qapital’s sole discretion. Qapital&nbsp; reserves the right to modify, restrict, suspend, revoke, or terminate this referral bonus program&nbsp; or any Qapital user’s eligibility at any time.&nbsp;</p><p><i>Disclosures:&nbsp;</i></p><p>Qapital, LLC provides, among other things, financial information to assist users in managing&nbsp; their finances and encouraging savings, through savings goals, savings rules, aggregation of&nbsp; financial data, a wallet view of income, expense and savings, and social goal sharing. Advisory&nbsp; services are offered by Qapital Invest LLC (“Qapital Invest”, together with Qapital, LLC&nbsp; “Qapital”). Qapital Invest is registered with the SEC as a Registered Investment Adviser.&nbsp; Brokerage services are provided to Qapital Invest clients by either (i) Apex Clearing&nbsp; Corporation, an SEC-registered broker-dealer and member FINRA/SIPC or (ii) Wedbush&nbsp; Securities Inc., an SEC-registered broker-dealer and member FINRA/SIPC. Qapital is not a&nbsp; bank, nor is it a financial planner, broker or asset manager. The Qapital platform is merely a tool&nbsp; to assist you in your financial planning and decision-making. You are solely responsible for your&nbsp; savings, investment and spending decisions.</p>

Qapital Everyday Referral Bonus Program

<p>THIS SECTION GOVERNS YOUR PARTICIPATION IN ANY CLOSED, EXPERIMENTAL, TRIAL, OR BETA PROGRAM (COLLECTIVELY, “BETA PROGRAM”) AND YOUR ACCESS TO, EVALUATION, AND USE OF EXPERIMENTAL, TRIAL, OR BETA PRODUCTS AND SERVICES MADE AVAILABLE TO YOU BY QAPITAL.&nbsp;</p><h4><strong>1. Beta Offering; Support</strong></h4><p>A Beta Offering includes any software, product, service, feature, functionality, or other technology that is offered by Qapital to you and has been designated by Qapital as part of its Beta Program (each, a “<strong>Beta Offering</strong>”). Each Beta Offering may be more fully described at the time you are given access to the Beta Offering. Qapital is not obligated to provide any maintenance or technical support for the Beta Offerings. Qapital further reserves the right to modify, abandon, change, alter, or impose any limitations on the use of any Beta Offering at any time, with or without notice, and without any obligation or liability.</p><h4><strong>2. Eligibility; Participation</strong></h4><p>Subject to Qapital’s prior approval, you may participate in the Beta Program upon request or by Qapital’s invitation. Qapital has the sole right and discretion to determine eligibility in the Beta Program and the members who are selected into the Beta Program. If you and Qapital agree to your participation in the Beta Program, these Beta Program Terms and Conditions will apply to your use of any Beta Offering as part of the Qapital Service. If you and Qapital do NOT agree to your participation in the Beta Program, the rest of these Beta Program Terms and Conditions will NOT apply to your use of the Qapital Service.</p><h4><strong>3. Right to Use; License Grant</strong></h4><p>Qapital grants you a right to access and use, each Beta Offering provided by Qapital to you, provided that Qapital may revoke that access and use at any time in its sole discretion. To the extent that access to or use of a Beta Offering requires or allows for you to download, use, or install software, Qapital grants you a nonexclusive, non-transferable, non-assignable, non-sublicensable, royalty-free license to the software for your internal use solely in connection with your access and use the Beta Offering.</p><h4><strong>4. Changes to Beta Offering; Suspension, Discontinuance, and Termination of Access and Use</strong></h4><p>You acknowledge and agree that the form and nature of any Beta Offering and/or the Beta Program may change from time to time without prior notice to you. Notwithstanding any provision set forth in these Beta Program Terms and Conditions, Qapital, in its sole and absolute discretion, with or without notice to you and without any liability to you, may terminate, limit, disconnect, deny access to, discontinue, abandon, modify, or suspend your use of a Beta Offering, participation in the Beta Program, or both, at any time. You also acknowledge that even if you are selected for participation in the Beta Program or to try out a Beta Offering at one point in time, you are not guaranteed participation in the Beta Program or trial of another Beta Offering at another point in time. You acknowledge that any breach by you of these Beta Program Terms and Conditions may result in immediate suspension, disconnection, or termination of your access to the Beta Offering.</p><p>Upon any termination of any Beta Offering or your access to any Beta Offering, all rights granted to you to use and access such Beta Offering and/or participate in the Beta Program terminate, and you shall immediately: (i) cease use of such Beta Offering and (ii) return or destroy all of Qapital’s Confidential Information and, if requested in writing by Qapital, provide Qapital with written certification of the same.</p><h4><strong>5.Acceptable Use; Prohibited Uses</strong></h4><p>You agree that you shall not: (i) make, use, or offer a Beta Offering for lease, rent, or sale, or reproduce, resell, distribute, lend, or otherwise charge fees to other parties for use of the Beta Offering; (ii) modify, customize, disassemble, decompile, prepare derivative works of, create improvements, derive innovations from, reverse engineer, or attempt to gain access to any underlying technology of the Beta Offerings (e.g., any source code, process, data set or database, management tool, development tool, server or hosting site, etc.); (iii) knowingly or negligently use the Beta Offerings in a way that abuses, interferes with, or disrupts Qapital’s networks; or (iv) use the Beta Offerings in any manner or for any purpose that infringes, misappropriates, or otherwise violates any intellectual property right or other right of any person, or that violates any applicable law.</p><p>You agree not to use any Beta Offerings for the receipt, use, maintenance, disclosure, storage, transmission, or processing of nonpublic personal information, protected health information, or other highly sensitive or protected information, unless Qapital provides its express prior written agreement to the contrary. You understand that Qapital disclaims all liability if you choose to use, access, upload, disclose, or process highly sensitive, confidential, and/or regulated data in connection with a Beta Offering without Qapital's permission or in an appropriate environment, and you do so at your own risk.</p><h4><strong>6. As-Is; Disclaimer of Warranties</strong></h4><p>QAPITAL AND ITS CONTRACTED VENDORS EXPRESSLY DISCLAIM ANY AND ALL REPRESENTATIONS AND WARRANTIES, EITHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, WITH RESPECT TO ANY BETA OFFERING, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, OR THE CONTINUOUS, UNINTERRUPTED, ERROR-FREE, VIRUS-FREE, OR SECURE ACCESS TO OR OPERATION OF A BETA OFFERING. TO THE EXTENT QAPITAL CANNOT DISCLAIM ANY SUCH WARRANTY AS A MATTER OF APPLICABLE LAW, THE SCOPE AND DURATION OF SUCH WARRANTY SHALL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW. YOU ACKNOWLEDGE THAT THE BETA OFFERING IS BEING PROVIDED AND MADE AVAILABLE ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTY OF ANY KIND.</p><p>YOU UNDERSTAND AND AGREE THAT ANY BETA OFFERING: (A) IS NOT COMPLETE IN DEVELOPMENT AND HAS NOT BEEN COMMERCIALLY RELEASED BY QAPITAL; (B) MAY NOT BE FULLY FUNCTIONAL AND MAY CONTAIN BUGS, ERRORS, DESIGN FLAWS, OR OTHER PROBLEMS, INCLUDING PROBLEMS THAT MAY ADVERSELY IMPACT THE OPERATION OF YOUR INFRASTRUCTURE OR SERVICES PROVIDED BY QAPITAL OR ANOTHER PARTY; (C) MAY NOT BE RELIABLE, AS ARTIFICIAL INTELLIGENCE IS NOT HUMAN AND MAY MAKE MISTAKES; (D) MAY NOT HAVE BEEN EVALUATED FOR REGULATORY COMPLIANCE; (E) WHEN USED, MAY RESULT IN UNEXPECTED RESULTS, LOSS OF CONTENT OR DATA, OR OTHER UNPREDICTABLE DAMAGE OR LOSS TO YOU. QAPITAL EXPRESSLY DISCLAIMS ANY WARRANTY AS TO THE ACCURACY OR COMPLETENESS OF ANY INFORMATION, CONTENT, OR DATA ACCESSED OR USED IN CONNECTION WITH A BETA OFFERING.</p><h4><strong>7. Confidential Information</strong></h4><p>You agree to keep confidential all non-public, proprietary, or confidential information that Qapital provides to you in connection with the Beta Program or any Beta Offering. You further agree to disclose Confidential Information (as defined below) that you receive under these Beta Program Terms and Conditions only to those employees, officers, directors, advisors, consultants, investors, and agents (including, without limitation, accountants and attorneys) who have a strict need to know the information being shared and who are bound by legal or contractual obligations to protect the confidentiality and security of the Confidential Information that are at least as restrictive as the obligations set forth in these Beta Program Terms and Conditions. “Confidential Information” includes, without limitation, business information, development plans, product roadmap details, systems, strategic plans, source code, services, products, pricing, methods, processes, financial data, programs, trade secrets, know-how, and marketing plans in any form that are designated as “confidential” or a reasonable person knows or reasonably should understand to be confidential.</p><p>Notwithstanding the restrictions in this Section (Confidential Information), you may disclose Confidential Information received under these Beta Program Terms and Conditions to the extent required by law, regulation, or court order, provided that you first (i) notify Qapital, unless providing such notice is prohibited by the applicable legal authority, and (ii) cooperate with Qapital’s reasonable requests to seek a protective order or otherwise prevent or limit the disclosure of the information to third parties.</p><p>You shall keep all Confidential Information received under these Beta Program Terms and Conditions in the strictest confidence until such time as, and only to the extent that, such information is (a) already rightfully known to you at the time it is received, free from any obligation to keep such information confidential; (b) or becomes publicly known or available through no wrongful act of you or any third party; (c) rightfully received from a third party without restriction and without breach of these Beta Program Terms and Conditions; or (d) developed by you without the use of any proprietary, non-public information received under these Beta Program Terms and Conditions. You shall each take reasonable steps to maintain the privacy and security of the Confidential Information, using measures that are at least as protective as those taken to protect information of a similar sensitivity that belongs to you, but in no event using less than a reasonable standard of care. In the event of any unauthorized use or disclosure of Confidential Information, you agree to provide notice to Qapital of such unauthorized use or disclosure and cooperate with Qapital to regain control of, and to prevent further unauthorized use or disclosure of, the Confidential Information.</p><h4><strong>8. Feedback</strong></h4><p>Each Beta Offering is made available to you for purposes of evaluation and feedback so that Qapital may create improvements for the benefit of you and others, but without any financial compensation, reimbursement, or any incentive of any kind from Qapital, unless indicated otherwise in the specific terms of the Beta Offering. You acknowledge the importance of communication with Qapital while participating in the Beta Program and agree to engage in correspondence with, and provide updates to, Qapital. You shall provide reasonable feedback and other information, as requested.&nbsp;</p><h4><strong>9. General Availability of any Beta Offering</strong></h4><p>Qapital may, in its sole and absolute discretion and at any time, choose to make a Beta Offering generally available to the public and remove the Beta Offering from the Beta Program. Prior to making a Beta Offering generally available, Qapital makes no representation that the Beta Offering will comply with any potentially applicable laws (including regulations) during the Beta Program. You acknowledge that (i) additional laws and regulations may apply to a Beta Offering upon general release, and (ii) you may be required to accept additional contract terms, pay for access to the generally available version of a Beta Offering to enable continued use, or both. You acknowledge that participation is voluntary and for the sole purpose of assisting and benefiting Qapital in the advancement of the Beta Program and Beta Offering. You acknowledge that (a) Qapital has not made any representations, promises, or guarantees that a Beta Offering will ever be announced or made generally available or otherwise available to anyone, (b) Qapital has no express or implied obligation to you to announce or make a Beta Offering generally available or otherwise available to anyone, and (c) Qapital has not made any representations, promises, or guarantees to you regarding the price of any Beta Offering if it is ultimately made generally available.</p><p>Any representation made regarding any Beta Offering, including the availability or ultimate release of any feature or functionality does not represent a commitment or legal obligation to make such Beta Offering generally available to you or to deliver any material, code, or functionality regarding the Beta Offering. Any representation regarding the development, release, functionality, availability and timing of any feature or functionality should be treated as tentative and subject to change without notice.</p><p>&nbsp;</p><p>&nbsp;</p>

Qapital Beta Program Terms

<p><strong>Qapital Incentive Program Terms</strong></p><p>THE QAPITAL INCENTIVE PROGRAMS ARE VOID WHERE PROHIBITED OR RESTRICTED BY LAW OR WHERE BONDING, REGISTRATION, OR OTHER REQUIREMENTS WOULD BE REQUIRED BUT HAVE NOT BEEN MET, OR WHERE THE METHODS OF PARTICIPATION SET FORTH BELOW WOULD BE DEEMED CONSIDERATION. ALL APPLICABLE FEDERAL, STATE AND LOCAL LAWS APPLY.</p><p>Qapital may at times offer users opportunities to earn user incentives (“<strong>Rewards</strong>”) via an incentive program (“<strong>Program</strong>”) offered via email, on our mobile application or the web site. By participating in the Program, and any specific promotional offer (each an "Offer") under the Program, you are bound by these Terms and any supplemental set of governing terms (the “Supplemental Terms”) that the Offer expressly refers to. In the event of a conflict between these Terms and the Supplemental Terms, the Supplemental Terms shall govern. By participating in the Rewards, Program or an Offer, you acknowledge to have read the Qapital Terms &amp; Conditions, and accept those terms in full. Those Terms &amp; Conditions are incorporated by reference and are available at&nbsp;<a href="https://www.qapital.com/terms/">https://www.qapital.com/terms/</a>. (Capitalized terms not otherwise defined shall have the meanings set forth in the Terms &amp; Conditions.)</p><ol><li><h4>Privacy.&nbsp;</h4></li></ol><p>The personal information collected, processed and used as part of the Program will be used in accordance with Qapital’s Privacy Policy, which is available for your review at https://www.qapital.com/terms/privacy-policy/.</p><ol><li><h4>Eligibility.</h4></li></ol><p>Employees of Qapital are not eligible for the Program. The Program is subject to change in Qapital’s sole discretion. Qapital reserves the right to modify, restrict, suspend, revoke, or terminate this Program or any Qapital user’s eligibility at any time. The Program is not marketed nor designed for anyone under the age of 18, including children, and Qapital disclaims any and all liability for any children that may be exposed to the Program by a responsible adult or legal guardian. Specific Rewards or Offers may be made available under the Program to individual users, in which case such offers are personal and non-transferrable. Other Rewards or Offers made available under the Program may be available generally to classes of users or to all users, as indicated in the Offers themselves.&nbsp;</p><ol><li><h4>How the Program Works Generally.</h4></li></ol><p>You may earn a Reward under the Program by clicking through the invitation link provided by Qapital, if any, and completing the required actions detailed in the Offer.&nbsp; For any given Offer, you may earn the related Reward only once, unless otherwise expressly provided. Any Offer will expire when indicated in the Offer, provided that if no expiration date is provided, the Offer expires 30 days from its issuance.&nbsp;</p><ol><li><h4>Promotion Modalities.</h4></li></ol><p>Each Program and the applicable Rewards will be subject to the specific restrictions applicable to the promotional event. Qapital will determine the modality of each promotional event under its own discretion but reserves the right to modify it at any time. These restrictions may include, but not be limited to, (i) limited stock of the Rewards, which will not give users any rights to obtain any Rewards once the set quantities have been given out to the qualified users, (ii) limited time availability, which will set a time period during which the Program will be available, and after which users will not be able to obtain any Rewards, (iii) limited quantities per user, which will allow users to obtain a set number of Rewards only, and any attempt to obtain a surplus of Rewards over the set number will be a breach of the Terms, and (iv) action dependent promotions, which may require users to take some actions to qualify for the Rewards offered. These actions may include but are not limited to participation in surveys, providing other feedback on products, services or functionality, sometimes including beta technology (subject to the Qapital Beta Program Terms), social media postings or participation,&nbsp; among others.</p><ol><li><h4>Restrictions.</h4></li></ol><p>Users cannot refer themselves or create multiple, fictitious or fake accounts in order to accept an Offer multiple times.&nbsp; Users may not use the Program to violate any law, infringe or violate the rights of any third party, or otherwise act in a manner that is deemed harassing, harmful, illegal, hateful, obscene, malicious, in bad faith or outside the spirit and intent of the Program. In addition, Users may not (i) tamper with the Program, (ii) act in an unfair or disruptive manner, or (iii) use any system, bot or other device or artifice to participate or receive any benefit in the Program. This includes but is not limited to a general prohibition on posting of Offers or personal links on any website or social media platform, or any other wrongful uses of Qapital Products and Services that may breach its Terms &amp; Conditions. If we believe that a link or Offer associated with a user account was used in such a manner, we have the right to revoke all Rewards granted to such User and/or terminate that User from receiving the Services. CAUTION: ANY ATTEMPT TO DELIBERATELY DAMAGE OR UNDERMINE THE LEGITIMATE OPERATION OF THE PROGRAM MAY BE IN VIOLATION OF CRIMINAL AND CIVIL LAWS. SHOULD SUCH AN ATTEMPT BE MADE, THE COMPANY RESERVES THE RIGHT TO SEEK REMEDIES AND DAMAGES (INCLUDING ATTORNEY FEES) TO THE FULLEST EXTENT OF THE LAW, INCLUDING CRIMINAL PROSECUTION.</p><ol><li><h4>Neither Redeemable Nor Transferable.</h4></li></ol><p>Unless otherwise stated, Rewards have no monetary value and&nbsp;<i>may not</i> be redeemed for cash.&nbsp; They are not transferable and may not be auctioned, traded, bartered or sold. Qapital reserves the right to make null and void any Reward that is being transferred to a third-party in violation of these Terms. Qapital will not be liable for any attempt to redeem a Reward that has been obtained through a third-party, whether gratuitously or for monetary gain.</p><ol><li><h4>Taxes.</h4></li></ol><p>If you receive a Reward under the Program, you are responsible for all applicable taxes and fees resulting from it, if any apply.</p><ol><li><h4>Severability.</h4></li></ol><p>If any provision in the Program Terms are held to be invalid, void, or unenforceable, such provision (or the part of it that is making it invalid, void, or unenforceable) will be struck and will not affect the validity of and enforceability of the remaining provisions.</p><ol><li><h4>Right to Cancel, Modify or Terminate.</h4></li></ol><p>We reserve the right to cancel, modify or terminate these Terms or the Program at any time for any reason in our sole discretion. We reserve the right to disqualify any user at any time from participation in the Program if we have a good faith belief that he/she has violated any of these Terms, or the Terms &amp; Conditions of any of Qapital’s Services.</p><ol><li><h4>Amazon Disclaimer.&nbsp;&nbsp;</h4></li></ol><p>This section applies to any Program, Rewards or Offers involving gift cards or promo codes issued by Amazon.com. Amazon.com is not a sponsor of this promotion. Except as required by law, Amazon.com eGift Cards (“<strong>GCs</strong>.”) cannot be transferred for value or redeemed for cash. GCs may be used only for purchases of eligible goods on Amazon.com or certain of its affiliated websites. By pursuing the Rewards related to GCs you acknowledge and accept to have read the terms and conditions as published on the product’s website. For complete terms and conditions, see&nbsp;<a href="http://www.amazon.com/gc-legal">www.amazon.com/gc-legal</a>. GCs are issued by ACI Gift Cards, LLC, a Washington limited liability company. All Amazon ®, ™ &amp; © are IP of Amazon.com, Inc. or its affiliates. No expiration date or service fees.</p><p><strong>Last Updated:</strong> November 26, 2025</p>

Qapital Incentive Program Terms

<p><strong>Qapital Reset &amp; Reward Bonus Program&nbsp;</strong></p><p>NO PURCHASE OR PAYMENT IS NECESSARY TO PARTICIPATE IN THIS PROMOTION.&nbsp; THIS PROMOTION IS VOID WHERE PROHIBITED OR RESTRICTED BY LAW OR WHERE&nbsp; BONDING, REGISTRATION, OR OTHER REQUIREMENTS WOULD BE REQUIRED BUT&nbsp; HAVE NOT BEEN MET, OR WHERE THE METHODS OF PARTICIPATION SET FORTH&nbsp; BELOW WOULD BE DEEMED CONSIDERATION. ALL APPLICABLE FEDERAL, STATE AND&nbsp; LOCAL LAWS APPLY.&nbsp;</p><p>The following are deemed Supplemental Terms for a specific Offer under our account reactivation Program, as such terms are defined in the Qapital Incentive Program Terms.&nbsp; All other capitalized terms not otherwise defined herein shall have the meanings set forth in the Qapital Terms &amp; Conditions.</p><p><strong>What is the Reset &amp; Reward Bonus?&nbsp;</strong></p><p>The Qapital Reset &amp; Reward bonus program offers a cash bonus (the “Reset &amp; Reward Bonus”) to each Eligible Qapital User (as defined below) that (i) opens a Spending Account on or before December 12, 2025, (ii) moves a minimum of $250 into the Spending Account from their Funding Source or via direct deposit, and that money has a status of either “pending” or “available” in the app on or before 11:59 pm Eastern Standard Time (“EST”) on December 12, 2025, and (iii) maintains a total minimum balance of $250 across the Goals Account and/or Spending Account each day from December 12, 2025 until 11:59 pm EST on January 12, 2026 (the “Required Actions”). For the avoidance of doubt, (i) money that is moved into the Spending account but is still in a “scheduled” status in the app does not qualify and (ii) the money can be withdrawn at any time, but any withdrawals that take the balance below $250 before January 12, 2026 will result in the forfeiture of eligibility to earn the Reset &amp; Reward Bonus. The Reset &amp; Reward Bonus amount will be $25. The Reset &amp; Reward Bonus will appear in the form of a deposit in your Spending Account.&nbsp;</p><p><strong>When will you receive the bonus?&nbsp;</strong></p><p>You will receive the Reset &amp; Reward Bonus before January 31, 2026, provided you are an Eligible Qapital User who has completed the Required Actions.</p><p><strong>Who is eligible for the bonus?</strong></p><p>To be eligible for the Reset &amp; Reward Bonus, in addition to taking the Required Actions, you must be a user who (i) signed up for a Qapital account after November 24, 2019 and prior to November 24, 2025, (ii) opens a Spending Account between December 3, 2025 and December 12, 2025, and (iii) connects a Funding Source to Qapital between December 3, 2025 and December 12, 2025 (an “Eligible Qapital User”). Employees of Qapital are not eligible for the Reset &amp; Reward Bonus. Wedbush Next powered by Qapital users are not eligible for the Reset &amp; Reward Bonus.&nbsp;</p><p><strong>What is the amount of the bonus?</strong>&nbsp;</p><p>The Reset &amp; Reward Bonus amount is $25. The Reset &amp; Reward Bonus amount is subject to change in Qapital’s sole discretion.&nbsp;</p><p>Qapital reserves the right to modify, restrict, suspend, revoke, or terminate this bonus program or any Qapital user’s eligibility at any time.&nbsp;</p><p><strong>Disclosures:&nbsp;</strong></p><p>The APY (annual percentage yield) is 1.51% with bonus. Spending Account must remain open until January 12th, 2026 to obtain APY. The minimum amount to obtain the APY is $250. The bonus will be provided by January 31, 2026. Must be enrolled in Complete or Premier membership to earn a bonus.</p><p>Qapital is a fintech company, not an FDIC-insured bank. Checking account provided by Lincoln Savings Bank, Member FDIC. Visa® debit card issued by Lincoln Savings Bank, Member FDIC. Deposit insurance covers the failure of an insured bank.&nbsp;</p>

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