Fold, Inc. is a financial technology company, not a bank, and is not an FDIC-insured depository institution. Fold Holdings, Inc. (Nasdaq: FLD) is its parent company. Fold does not provide investment, tax, legal, or accounting advice. The Fold Spending Account is provided by Lead Bank, Member FDIC, which is the issuing and deposit-taking institution for that account. Fold, Inc. acts as program manager and technology service provider to Lead Bank. The Fold Prepaid Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. The Fold Bitcoin Credit Card is issued by Celtic Bank pursuant to a license from Visa U.S.A. Inc. A Fold account is required. Where applicable, FDIC insurance covers only the failure of the insured bank holding the funds. Balances in the Fold Spending Account and on the Fold Prepaid Debit Card are eligible for pass-through FDIC insurance up to $250,000 per depositor, per insured institution, for each ownership category, and certain conditions must be satisfied for pass-through coverage to apply. No other Fold product or service is FDIC insured. Bitcoin, Fold Reserve balances, rewards, gift cards, and any other product or service Fold may offer from time to time are not deposits, are not insured by the FDIC or SIPC, are not guaranteed by any bank, and may lose value. The value of bitcoin is volatile and you could lose some or all of your bitcoin holdings. Past performance is not indicative of future results. Bitcoin custody and exchange services are provided by BitGo and are subject to BitGo's Terms of Use. Fold Reserve is closed-loop stored value issued by Fold, Inc. and redeemable only for Fold products and services. It is not a bank account, deposit account, or savings account, and is not redeemable for cash. Rewards are provided by Fold and not by any partner bank, and are unsecured promotional obligations of Fold, Inc. Use of Fold products and services is governed by our Terms and Conditions and Privacy Policy, together with the applicable product agreement. Visa is a registered trademark of Visa U.S.A. Inc. All other trademarks and service marks are the property of their respective owners. Questions: support@foldapp.com or 1-866-365-3277.
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