1 Koin is not a bank and does not provide banking services. Koin is a digital company that provides access to products and services to venue operators and patrons. The Koin Mastercard® Prepaid card is issued by Sutton Bank, Member FDIC, pursuant to a license by Mastercard®. The Koin Bank account is a demand deposit account established by, and the Koin Mastercard® Debit card is issued by Pathward® N.A., Member FDIC, pursuant to a license by Mastercard® International Incorporated. Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated.

2 KoinLife is a secure, user-friendly mobile application designed to facilitate cashless transactions. Through the KoinLife app, users can effortlessly fund their activities from a variety of sources, track their spending, and manage their account balances in real time—all without the need for physical cash.

*The funds in your deposit accounts are eligible for FDIC insurance up to $250,000 on a pass-through basis. The availability of FDIC insurance is contingent upon Koin maintaining accurate records and determinations of the FDIC as receiver at the time of a receivership if a bank partner should fail. Such coverage is subject to the aggregation of all of your deposits held at the bank partner.

**This optional product is a Koin product or service, offered on behalf of Koin.