*Disclosures

1 The Annual Percentage Yield ("APY") for the Vast Checking Account is variable and may change at any time based on Vast's discretion. The disclosed APY is effective as of August 19, 2021. No minimum balance requirements apply to maintain this account. You must have at least $.01 in the Vast Checking Account to earn interest.

2 Checking accounts are FDIC insured.

3 Deposits to your DDA account may be subject to different funds availability timeframes. We will make up to $1,000 of the initial funding transfer from an external account available for trading on the day of deposit. The remaining initial funding transfer from an external account will be available 5 business days after the day of deposit. All other deposits may be subject to different funds availability timeframes.

4 Certain banks may apply additional fees, such as out-of-network ATM charges and foreign exchange fees. ATM withdrawals are free at any Allpoint or Transfund network ATM.

5 Digital assets (i.e., cryptocurrencies) held in your digital asset account (i.e., crypto account) are not insured by any governmental entities, including but not limited to FDIC or SIPC. As with any asset, the value of digital assets can go up or down and there can be substantial risk that you lose money buying, selling, holding, or investing in digital assets. You should carefully consider whether trading or holding digital assets is suitable for you in light of your financial condition. No Bank Guarantee and May Lose Value. For additional terms and conditions governing your digital asset account, please refer to our Digital Asset User Agreement.

6 Transfers and/or deposits may be delayed due to unforeseen technical issues or issues beyond our control. Vast Bank works to ensure any potential delays are identified quickly and kept to a minimum.