Important: Bitcoin and other cryptocurrencies aren’t endorsed or guaranteed by any government, are volatile and involve a high degree of risk.

Investment Products:

ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE

Rule 606 Order Routing

Statement of Financial Condition

^ Abra members with direct deposit can earn up to 2.00% annual percentage yield (APY) interest on all account balances in their Checking and Savings accounts (including Vaults). Members without direct deposit will earn 1.00% APY on all account balances in Checking and Savings (including Vaults). Interest rates are variable and subject to change at any time. Rate of 2.00% APY is current as of 08/12/2022. Additional information can be found at http://www.Abra.com/legal/banking-rate-sheet

*The following describes the terms that apply to participation in the Abra Checking and Savings direct deposit program (“Program”) offered by Abra Bank, N.A Member FDIC (“Abra”).

Eligible Participants: All new members who open a Abra Checking and Savings account during the Promotion Period (as defined below) and all existing Abra Checking and Savings customers who have not previously set up direct deposit transactions into their Abra Checking and Savings account as of the beginning of the Promotion Period are eligible for the Program. Members who previously received a bonus for enrolling in direct deposit into either Abra Money or Abra Checking and Savings do not qualify for this promotion.

Promotion Period: The Program will be available from 4/5/22 12:01AM ET to 9/30/22 11:59PM ET.

Bonus Terms: In order to qualify for eligibility for a bonus, Abra must receive at least one Qualifying Direct Deposit (as defined below) from an Eligible Participant during the Promotion Period. Qualifying Direct Deposits are defined as deposits from an enrolled member’s employer, payroll, or benefits provider via ACH deposit. Deposits that are not from an employer (such as check deposits; P2P transfers such as from PayPal or Venmo, etc.; merchant transactions such as from PayPal, Stripe, Square, etc.; and bank ACH transfers not from employers) do not qualify for this promotion. The amount of the bonus, if any, is described below. No bonuses shall be paid for Qualifying Direct Deposits of less than $1,000 during the Evaluation Period (defined below).

Evaluation Period: The bonus amount will vary based on the total amount of Qualifying Direct Deposits received during a 30-day period (the “Evaluation Period”). Once the Evaluation Period has elapsed, we will determine if you have met the offer requirements and will deposit any earned bonus into your checking account within 14 days. For example, if you receive $1,000-$1,999 in Qualifying Direct Deposits in the Evaluation Period, you will receive a cash bonus of $50. A member may only qualify for one bonus tier and will not be eligible for future bonus payments if inflows subsequently increase beyond the Evaluation Period.

Total Qualifying Direct Deposit amount in 30-day Evaluation Period	Cash Bonus
$1,000 - $1,999	$50
$2,000-$4,999	$100
$5,000 or more	$300

Payment timeline: Abra will credit members who meet qualification criteria within 14 days of the end of the Evaluation Period.

This offer cannot be combined with the Abra Checking and Savings direct deposit rate discount on a Abra personal loan. Bonuses are considered miscellaneous income and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). Abra reserves the right to exclude any Members from participating in the Program for any reason, including suspected fraud, misuse, or if suspicious activities are observed. Abra also reserves the right to stop or change the Program at any time.

Abra members with direct deposit can earn up to 2.00% annual percentage yield (APY) interest on all account balances in their Checking and Savings accounts (including Vaults). Members without direct deposit will earn 1.00% APY on all account balances in Checking and Savings (including Vaults). Interest rates are variable and subject to change at any time. Rate of 2.00% APY is current as of 08/12/2022. Additional information can be found at http://www.Abra.com/legal/banking-rate-sheet

Members earn 2 rewards points for every dollar spent on eligible purchases. If you elect to redeem points for cash deposited into your Abra Checking or Savings account, Abra Money® account, fractional shares or cryptocurrency in your Abra Active Invest account, or as a payment to your Abra Personal, Private Student, or Student Loan Refinance, your points will redeem at a rate of 1 cent per every point. If you elect to redeem points as a statement credit to your Abra Credit Card account, your points will redeem at a rate of 0.5 cents per every point. For more details please visit the Rewards page. Brokerage and Active investing products offered through Abra Securities LLC, member FINRA/SIPC. Abra Securities LLC is an affiliate of Abra Bank, N.A.

You will need to maintain a qualifying Direct Deposit every month with Abra Checking and Savings in order to continue to receive this promotional cash back rate. Qualifying Direct Deposits are defined as deposits from enrolled member’s employer, payroll, or benefits provider via ACH deposit. Deposits that are not from an employer (such as check deposits; P2P transfers such as from PayPal or Venmo, etc.; merchant transactions such as from PayPal, Stripe, Square, etc.; and bank ACH transfers not from employers) do not qualify for this promotion. A maximum of 36,000 rewards points can be earned from this limited-time offer. After the promotional period ends or once you have earned the maximum points offered by this promotion, your cash back earning rate will revert back to 2%. 36,000 rewards points are worth $360 when redeemed into Abra Checking and Savings, Abra Money, Abra Invest, Crypto, Abra Personal Loan, Abra Private Student Loan or Student Loan Refinance and are worth $180 when redeemed as a Abra Credit Card statement credit.

Promotion Period: 4/18/2022-9/30/2022

Eligible Participants: All new members who apply and get approved for the Abra Credit Card, open a Abra Checking and Savings account, and set up Direct Deposit transactions (“Direct Deposit”) into their Abra Checking and Savings account during the promotion period are eligible. All existing Abra Credit Card members who set up Direct Deposit into a Abra Checking & Savings account during the promotion period are eligible. All existing Abra members who have already enrolled in Direct Deposit into a Abra Checking & Savings account prior to the promotion period, and who apply and get approved for a Abra Credit Card during the promotion period are eligible. Existing Abra members who already have the Abra Credit Card and previously set up Direct Deposit through Abra Money or Abra Checking & Savings are not eligible for this promotion.

✝︎✝︎Your account is invested in assets that may lose value. However, Abra Securities LLC, and the custodian of securities, Apex Clearing, are members of the Securities Investor Protection Corporation (SIPC). SIPC protects the securities in your brokerage account up to $500,000, including $250,000 for claims for cash. For more details, visit www.sipc.org.

Abra Invest: This is not an offer, or solicitation of any offer to buy or sell any security, investment or other product.

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 guarantees of future returns or future performance. The firm reserves the right to monitor and retain all incoming and outgoing communications as permitted by applicable law.

Abra Invest refers to the three investment and trading platforms operated by Social Finance, Inc. and its affiliates (described below). Individual customer accounts may be subject to the terms applicable to one or more of the platforms below.

1) Automated Investing and advisory services are provided by Abra Wealth LLC, an SEC-Registered Investment Adviser (“Abra Wealth“). Brokerage services are provided to Abra Wealth LLC by Abra Securities LLC.

2) Active Investing and brokerage services are provided by Abra Securities LLC, Member FINRA/SIPC, (“Abra Securities). Clearing and custody of all securities are provided by APEX Clearing Corporation.

3) Cryptocurrency is offered by Abra Digital Assets, LLC, a FinCEN registered Money Service Business.

For additional disclosures related to the Abra Invest platforms described above, including state licensure of Abra Digital Assets, LLC, please visit www.Abra.com/legal.

Investing in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. Further, there are a variety of risk factors to consider when investing in an IPO, including but not limited to, unproven management, significant debt, and lack of operating history. For a comprehensive discussion of these risks please refer to Abra Securities’ IPO Risk Disclosure Statement. IPOs offered through Abra Securities are not a recommendation and investors should carefully read the offering prospectus to determine whether an offering is consistent with their investment objectives, risk tolerance, and financial situation.

**No purchase necessary. Probability of customer receiving $1,000 is 0.028%. See full terms and conditions.

New offerings generally have high demand and there are a limited number of shares available for distribution to participants. Many customers may not be allocated shares and share allocations may be significantly smaller than the shares requested in the customer’s initial offer (Indication of Interest). For Abra’s allocation procedures please refer to IPO Allocation Procedures.

Neither the Investment Advisor Representatives of Abra Wealth, nor the Registered Representatives of Abra Securities are compensated for the sale of any product or service sold through any Abra Invest platform. Information related to lending products contained herein should not be construed as an offer or pre-qualification for any loan product offered by Abra Lending Corp and/or its affiliates.

Abra Bank: Abra Checking and Savings is offered through Abra Bank, N.A. Member FDIC. Equal Housing Lender. The Abra Bank Debit Mastercard® is issued by The Bancorp Bank pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

The Abra Checking and Savings® World Debit Mastercard® is issued by The Bancorp Bank pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Abra Relay: Abra’s Relay tool offers users the ability to connect both in-house accounts and external accounts using Plaid, Inc’s service. When you use the service to connect an account, you authorize Abra to obtain account information from any external accounts as set forth in Abra’s Terms of Use. Abra assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of Abra. The credit score provided to you is a Vantage Score® based on TransUnion™ (the “Processing Agent”) data.

Abra Protect/Ladder: Ladder policies are issued in New York by Allianz Life Insurance Company of New York, New York, NY (Policy form # MN-26) and in all other states and DC by Allianz Life Insurance Company of North America, Minneapolis, MN (Policy form # ICC20P-AZ100 and # P-AZ100). Only Allianz Life Insurance Company of New York is authorized to offer life insurance in the state of New York. Coverage and pricing is subject to eligibility and underwriting criteria. Abra Agency and its affiliates do not guarantee the services of any insurance company. Ladder, Abra and Abra Agency are separate, independent entities and are not responsible for the financial condition, business, or legal obligations of the other. Social Finance, Inc. (Abra) and Social Finance Life Insurance Agency, LLC (Abra Agency) do not issue, underwrite insurance or pay claims under LadderLife™ policies. Abra is compensated by Ladder for each issued term life policy.

Abra offers customers the opportunity to reach Ladder Insurance Services, LLC to obtain information about estate planning documents such as wills.

Social Finance, Inc. (“Abra”) will be paid a marketing fee by Ladder when customers make a purchase through this Abra Protect link.

All services from Ladder Insurance Services, LLC are their own. Once you reach Ladder, Abra is not involved and has no control over the products or services involved.

The Ladder service is limited to documents and does not provide legal advice. Individual circumstances are unique and using documents provided is not a substitute for obtaining legal advice.

NOTICE: Recent legislative changes have suspended all federal student loan payments and waived interest charges on federally held loans temporarily. Please carefully consider these changes before refinancing federally held loans with Abra, as in doing so you will no longer qualify for these changes or other current or future benefits applicable to federally held loans.

Terms and Conditions Apply. Abra RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify for lending products, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet Abra’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at any time without notice and are subject to state restrictions. Abra refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. Abra loans are originated by Abra Lending Corp. or an affiliate, NMLS #1121636. (www.nmlsconsumeraccess.org)

Lantern: Abra receives compensation in the event you obtain a loan through the Lantern marketplace. The Lantern site is owned by Abra Lending Corp. or an affiliate, a lender licensed by the DFPI under the CFL, license number 6054612, NMLS #1121636 (www.nmlsconsumeraccess.org). Loans may not be available in all states.

† Check your rate: To check the rates and terms you qualify for, Abra conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

Testimonials: Some of the testimonials shown may be from Abra Ambassadors who earn rewards for participating in the Ambassador Program (“Inner Circle”). Additional terms and conditions apply: see Abra.com/eligibility for details.

Recommend Abra: Based on a survey of 1,642 Abra members from 02/21/2019 to 03/13/2019 who funded a loan with Abra within 6 months of the survey date, 98% of participants would recommend Abra to a friend. This should not be confused with Abra’s Net Promoter Score®, which is a separate survey that uses a different scoring model. This statistic isn’t recommending or endorsing any product or service offered through Abra Wealth LLC, including automated investing, financial planning and Abra Advice.

Early access to direct deposit funds is based on the timing in which we receive notice of impending payment, which is typically up to two days before the scheduled payment date.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.

Google Play and the Google Play logo are trademarks of Google Inc.

Abra 234 1st Street, San Francisco, CA 94105