Fold: Bitcoin Personal Finance

Buy, sell, and send bitcoin**; premium members pay no fees. Pay bills with your account and routing numbers.* Get up to 1.5% back on eligible bills. Earn bitcoin on everyday expenses. Earn extra bitcoin back on rotating card linked offers and popular gift cards.

Take control of your personal finances with Fold: the currency you prefer and the banking features you need.*

BUY, SELL, AND SEND BITCOIN
- Buy, sell, and send bitcoin with no fees.**
- Automate bitcoin buys with round-ups and DCA (auto-stack).
- Get paid in up to 100% bitcoin.*

PAY BILLS
- Pay all your bills with your Fold account and routing numbers.*
- Earn up to 1.5% back on your biggest expenses like mortgage, rent, and credit cards. Conditions apply.

EARN BITCOIN ON EVERY SHOP
- Get started for free with a Fold Visa Prepaid Debit Card, the original bitcoin rewards prepaid debit card. Terms and conditions apply.
- Earn bitcoin back on every eligible purchase.
- Earn extra bitcoin back on exclusive categories and merchants.****

ENJOY BANKING FEATURES
- Direct deposit into your Fold Card account and get paid up to 3 days early. Delays may apply.
- Get paid in up to 100% bitcoin.
- No international or ATM withdrawal fees.****


EARN EXTRA BITCOIN BACK ON CARD LINKED OFFERS
- Earn extra bitcoin back on category and merchant offers.****

EARN BITCOIN BACK ON GIFT CARDS
- Earn extra bitcoin back when you buy popular gift cards on the Fold App.

INSURED CUSTODY
- Your USD may be FDIC Insured.*
- Your bitcoin is BitGo Insured.***



*The Fold Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A.. Inc. Visa is a registered trademark of Visa, U.S.A., Inc. All other trademarks and service marks belong to their respective owners. Fold is a financial services platform and not a FDIC insured bank. The Fold Card is issued by Sutton Bank, Member FDIC. If you have a Fold Card, accounts are subject to pass-through FDIC insurance up to $250,000 per ownership category, should Sutton Bank fail. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Coverage limit is subject to aggregation of all of the account holder's funds held at Sutton Bank.

**Fees may apply. Bitcoin involves certain risks and may lose value.Fortress Trust provides Bitcoin services. See Terms of Use: https://fortresstrust.com/terms-of-use.

***Insurance Policy covers copying and theft of private keys, insider theft or dishonest acts by BitGo employees or executives, and loss of keys. You can learn more here: https://www.bitgo.com/resources/insurance/.

****Fold+ subscribers pay zero added fees when making ATM withdrawals and when buying bitcoin on Fold; standard network fees might apply.

*****Available to Fold+ subscribers.

For full terms and conditions of our Fold Card and rewards program, see the Terms and Conditions, Fold Visa Prepaid Debit Card Agreement and Spinwheel Official Rules at www.foldapp.com/legal.

Fold App
11201 N Tatum Blvd, Ste 300, #42035, Phoenix AZ, 85028

Recent changes:
Exciting updates in the release:
- The app has a fresh new look and feel making it easier to manage all your money: cash and btc.
- New rewards feature: Get up to 1.5% back on bills like mortgage, rent and credit cards.
Improved user communications

We also continue to squash bugs and improve the overall experience of the app for our users.

Happy Stacking,
The Fold Team