Step

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Step is a financial technology company, not a bank. Banking services provided by Evolve Bank & Trust, Member FDIC. The Step Visa Card is issued by Evolve Bank & Trust pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association.

1. Your Step account is not an interest bearing product. The savings percentage is not interest, but instead earned as cash rewards funded by Step. The rewards, if calculated as an APY, would be 5.00%. This percentage is variable and may change over time. See terms for more detail. To qualify, a minimum direct deposit of $500 from a payroll provider within each 30 day period is required or a Step Black membership.

2. Step Visa Card is designed to help build positive credit history. Positive history is reported on and related only to your Step Visa card activity, subject to your account remaining in good standing, to Transunion®, Experian®, and/or Equifax®. We do not have control over your credit scores generated by the credit bureaus. Even when we report positive credit history on your Step Visa card, your overall credit history and scores, as built by the credit bureaus, may be impacted by your financial activity outside of your Step Visa card (including any other Step loan products or other external activity).

3. A): Investment Products: May lose value | Not FDIC Insured B): Investing and advisory services for the purchasing and selling of stocks (including certain ETFs) are provided by Step Advisers LLC, a SEC-Registered Investment Adviser ("Step Advisers"). Investment accounts are held by DriveWealth, LLC, a member of the Financial Industry Regulatory Authority (FINRA) . We provide investment advisory services by making non-discretionary recommendations on a client's investment outlook. We do not manage client funds or hold custody of assets. The information presented herein is for educational purposes only and does not constitute investment advice or an offer to buy or sell any security, investment or other product. C): Securities (stock and ETF) services powered by Drivewealth, LLC. Your assets are custodied by Drivewealth, LLC, not Step, and is insured by the Securities Investor Protection Corporation (SIPC), up to $500,000 (including $250,000 for claims for cash). Your stock account is not FDIC insured. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Past performance, historical returns, future projections, and statistical forecasts are no guarantee of future returns or future performance. While we believe the information presented here to be accurate, we do not guarantee its accuracy or completeness. Any examples are hypothetical and for illustrative purposes only. Hyperlinks to third-party content are intended to provide additional perspective and should not be construed as an endorsement of any services, products, guidance, individuals or points of view outside Step.com. See additional risk disclosures here.

4. 8% cashback on purchases up to a max of $6000 annually with select Step Black Partners. After hitting the max, you will continue to earn standard points multipliers (3% on dining/food delivery and charitable donations, 2% on subscriptions/entertainment, 1% on everything else).

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