Self Is For Building Credit

With Self, you possess a powerful toolkit designed to help you build and enhance your credit. Whether you're starting with a low score or have no score at all, this app equips you with the necessary resources to embark on your credit journey today.

BY REPORTING YOUR RENT PAYMENTS AT NO CHARGE
- Elevate your credit score without any costs*
- Build your credit profile with all three major credit bureaus: Equifax, Experian, and TransUnion
- No hard inquiry and no credit check needed
- A credit card is not required
- Build a positive payment history, the foremost factor in credit scoring‡
- Monitor your credit score through VantageScore 3.0§

EXPAND YOUR CREDIT AND SAVINGS THROUGH THE CREDIT BUILDER ACCOUNT‖
- Increase your credit score by an average of 49 points¶
- Plans begin at just $25 per month¹
- Access your savings at the conclusion of the term, minus any applicable fees and interest²
- No initial credit score necessary
- No hard credit inquiry or credit check needed

ENABLE THE SELF VISA® CREDIT CARD FOR CREDIT BUILDERS
- Work towards obtaining a secured Self Visa® Credit Card³, linked to your Credit Builder Account‖
- No credit check is required
- You have control over your credit limit
- Build credit with all three credit bureaus
- Use your card anywhere Visa is accepted in the US

REPORT ADDITIONAL PAYMENTS FOR GREATER CREDIT OPPORTUNITIES
- Strengthen your credit through cell phone, water, electricity, and gas payments for a fee of $6.95 per month
- Up to five payments can be added to your TransUnion credit report monthly
- Enjoy credit monitoring through TransUnion
- Benefit from identity theft insurance valued at up to $1 million
- Opt-out whenever you choose

ACCESS THE SELF VISA® CREDIT CARD
The secured Self Visa® Credit Card is available to users with an active Self Credit Builder Account, contingent upon meeting other eligibility requirements, including income and expense criteria. These criteria may change.

* Individual results may differ. Improving your credit score isn't guaranteed. Not all lenders consider scores influenced by rent reporting, nor are all bill payments eligible. For comprehensive information, visit learn.self.inc/lpg/mpa/rent-bills-landing.

‡ Refer to https://www.ficoscore.com/education#WhatYourFICO for FICO score definitions, a registered trademark of Fair Isaac Corporation, applicable in the US and other regions.

§ Credit scores are accessible only to customers validated by our third-party vendor.

‖ Credit Builder Accounts and Certificates of Deposit are provided by Lead Bank, Sunrise Banks, N.A., SouthState Bank, N.A., First Century Bank, N.A., all members of FDIC, and are subject to credit approval.

¶ This is the median outcome for customers who opened a 12-month Credit Builder account in Q1 2021, starting with a VantageScore 3.0 under 600, and made timely payments. Other factors may influence results. Timely payments do not guarantee complete program success, and past performance does not assure future results. Increasing credit scores is not guaranteed.

¹ The minimum and maximum duration for all loan products is 24 months. The maximum Annual Percentage Rate (APR) for all loan products is 15.92%. For example, a $25 monthly loan payment relates to a $520 loan for a 24-month term at a 15.92% APR, resulting in total payments of $600. For current pricing, refer to the Self app or Self.inc page.

² Minus fees and interest. Individual outcomes may differ and are not guaranteed. Your credit score improvement relies on personal circumstances and financial behavior. Missing the minimum monthly payment by the due date could lead to delinquent reporting to credit bureaus, negatively affecting your credit score. This product does not clear negative credit history from your report.

³ The Self Visa® Credit Card is issued by Lead Bank, First Century Bank, N.A., or SouthState Bank, N.A., all members of FDIC. For more information, visit Self.inc.

Self Financial, Inc. 901 E 6th Street Suite 400, Austin, TX 78702