Total yield includes base APY and any promotional returns, subject to the total balance across Xoan High-Yield Accounts and Debt Yield Fund. APY is the annual percentage yield and is effective as of 07/17/25. Promotional returns, if applicable, are effective as of 07/17/25 and provided by Xoan Technologies, Inc. APY and promotional returns are variable and only earned on funds held in yield-bearing accounts. Earnings are calculated monthly and automatically reinvested. See current rates and disclosures [here].Xoan Technologies, Inc. | 123 Xoan Blvd, Suite 100 | San Francisco, CA 94105Xoan is a financial technology company, not a bank. Banking services are provided by [Partner Bank Name], Member FDIC. The Xoan business account includes high-yield savings, cash management tools, and debit cards issued by [Partner Bank Name] pursuant to licenses from Mastercard International Inc. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Inc.Funds held in Xoan High-Yield Accounts are FDIC insured up to the standard limits through our partner banks. Funds in the Xoan Debt Yield Fund are not FDIC insured, are subject to investment risks, and may lose value. Past performance does not guarantee future results. This is not an offer or solicitation to buy or sell securities. Xoan Technologies, Inc. does not provide legal, tax, or investment advice.All loans and credit products are subject to approval, including underwriting, credit, and collateral requirements, as well as availability. Nothing herein should be construed as a commitment to lend.Some Xoan products may have associated fees. See pricing details [here].