Moola Wallet

The hardest part isn't investing. It's starting. Moola fixes that: every swipe of your Moola Visa® Debit Card¹ earns stock², automatically. No new habits. Just spend like you already do. Moola is the app for people who say "I'll start investing when…" — and "when" never comes. One app for your spending, your Pockets³, your investing, and your retirement. EARN STOCK EVERY TIME YOU SWIPE² Order your Moola Visa® Debit Card (the virtual card is instant) and every purchase — coffee, groceries, gas — earns stock that's invested for you. Use it anywhere Visa is accepted. POCKETS: EVERY DOLLAR HAS A JOB³ Set money aside for rent, groceries, the vacation, or the new house before you spend it. Create unlimited named Pockets with goals and progress tracking. It's your grandmother's envelope system, on your phone. Spending becomes a decision, not a default. SPARE CHANGE ROUNDUPS⁴ Coffee cost $6.95? The purchase rounds up to $7 and the change lands in the Pocket you choose. Base hits, every day. SOPHIA: INVESTING ON AUTOPILOT⁵ Add funds to your investment account and SOPHIA invests it in a managed portfolio matched to your goals and risk tolerance. Check in monthly. RETIREMENT MADE EASY⁵ Open a Traditional or Roth IRA in minutes, set a goal, automate contributions, and let SOPHIA handle the rest.⁴ PICK YOUR OWN STOCKS, IF YOU WANT⁵ Buy and sell stocks and ETFs starting at $5. The Moola Meter ranks stocks against your personal goals, age, and risk tolerance, so you invest smarter, not harder. EARN INTEREST ON UNINVESTED CASH⁶ Uninvested cash in your investing account earns interest. INVITE FRIENDS, EARN MORE⁷ Share your link. When a friend joins and swipes their Moola Card, you earn stock too. MONEY 101 Money is a game everyone's forced to play, but not everyone's been taught the rules. Short video lessons teach you the rules. WHAT IT COSTS⁸,⁹ $3.97/month. First 30 days free. No trading commissions. No hidden fees. Real humans on live chat.⁵ IS MY MONEY SAFE? Moola is an SEC-registered investment adviser. Investment accounts are SIPC-protected. Deposits held on your Moola Card are FDIC-insured through our partner bank up to $250,000.¹⁰ WHO MOOLA IS FOR Busy people who know they should be investing and setting money aside, but don't have time to figure out how. The average Moola member is 45 and has a family. If that's you, you're home. Rated 4.7 stars on Apple App Store¹¹. Join thousands of families who finally started. Download Moola, order your Moola Card, and own your future. One swipe at a time. DISCLOSURES: 1,2,3,4,5,6,7,8,9,10,11 See https://moola-blog-v1.vercel.app/disclosures for full disclosures. See https://moola-blog-v1.vercel.app/terms for all agreements, policies, and notices containing full terms and conditions. Moola is a financial technology company, not a bank. Banking services provided by First Bank of the Lake, Member FDIC. The Moola Visa® Debit Card is issued by First Bank of the Lake, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Cardholder terms and limitations apply. Subject to approval. See the Moola Deposit Account Agreement for details. Visa is a trademark owned by Visa International Service Association and used under license. Deposits held at First Bank of the Lake are eligible for pass-through FDIC insurance up to $250,000 per depositor, per ownership category, if requirements for pass-through coverage are met. FDIC insurance applies only if the FDIC-insured bank fails. Investment advisory services are provided by Moola Copilot LLC, an SEC-registered investment adviser (CRD # 334132 / SEC #: 801-131744). Brokerage and custody services are provided through Alpaca Securities LLC (“Alpaca”), an SEC-registered broker-dealer and member of FINRA/SIPC. Alpaca is not affiliated with Moola or with First Bank of the Lake. All investing involves risk, including the possible loss of principal. INVESTMENT PRODUCTS ARE NOT FDIC INSURED, MAY LOSE VALUE, AND ARE NOT BANK GUARANTEED.