Jiko: Spendable T-Bills vs Waya - Mobile Banking Usage & Stats

Jiko provides seamless access to the safety and yield of T-bills, paired with the spending features of a bank account. EARN WHEN YOU SAVE Jiko’s automated trading technology keeps you invested in T-bills so you can access the safety and competitive yield of government-backed T-bills without having to trade them yourself. Your earnings are updated in real-time on the Jiko app and may be tax-exempt at the state and local level(1). REWARDS WHEN YOU SPEND Access your money instantly by using Jiko debit cards. When you spend, your investments are automatically liquidated in real time, 24/7, to cover the cost of your purchase. Plus, you can earn 1% cashback on debit card purchases(2). TRANSPARENT AND SECURE Treasury bills are generally considered one of the safest investments available because they’re backed by the full faith and credit of the US government. Plus, you can spend with confidence as the Jiko Solid™ Debit Card displays limited information and can be locked from the app. Use Jiko Virtual Cards to generate multiple card numbers for online spending(3). ABOUT JIKO Jiko is a federally regulated financial institution that owns its national bank and is a registered broker. Jiko provides automated T-bill investment on behalf of customers, combined with the spending features of a bank account. DISCLOSURES INVESTMENTS IN T-BILLS: NOT FDIC INSURED • NO BANK GUARANTEE • MAY LOSE VALUE All U.S. treasury investments and investment advisory services provided by Jiko Securities, Inc., a registered broker-dealer, member FINRA and SIPC. Securities in your account are protected up to $500,000. For details, please see www.sipc.org. Banking services provided by Jiko Bank, a division of Mid-Central National Bank. Jiko Group, Inc. and its affiliates do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions. This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. See FINRA BrokerCheck (https://brokercheck.finra.org/firm/summary/287507), Jiko U.S. Treasuries Risk Disclosures (https://jiko.io/docs/disclosures.pdf) and Jiko Securities Inc. Form CRS (https://jiko.io/docs/CRSRelationshipSummary.pdf). Fees apply. Illustrations are not representative of future or past performance. 1 - We do not provide tax or legal advice. Please consult your financial advisor or tax professional for advice. 2 - Cashback rewards apply to qualifying purchases only. See our Reward Program Terms for more information: https://jiko.io/docs/RewardProgram.pdf. 3 - Subject to current limitations. Learn more at https://jiko.io/docs/limitations.pdf