Disclaimers and Disclosures



1. Banking Services
   xl FINANCIAL is a financial technology company, not a bank. Banking services are provided by our partner bank TBD, Member FDIC.
2. Debit and Credit Cards
   The xl FINANCIAL Debit and Credit Cards are issued by our partner bank TBD, pursuant to a license from Mastercard® International or Visa® U.S.A. Inc.
3. xl COMMUNITY Round-Up Donation Feature
   When you link your xl FINANCIAL Debit Card to an xl COMMUNITY Program, you may choose to donate your spare change to a supported cause. Eligible debit card transactions are rounded up to the nearest dollar, with the excess contributed to a participating xl COMMUNITY Partner Account. Transactions that total a whole dollar amount (e.g., $50.00) are not eligible for round-up.
4. ATM Fees
   Out-of-network ATM withdrawal fees apply. xl FINANCIAL charges a $2.50 fee per withdrawal, in addition to fees charged by the ATM operator. Please refer to your account agreement for details.
5. Lending Disclosure
   xl FINANCIAL is not a lender. All loan offers and terms are made by participating third-party lenders. Qualification depends on credit profile, geographic location, and other criteria. Not all applicants will qualify.
6. Investment Accounts and Custodians
   xl FINANCIAL Invest-Edge accounts are held with a registered broker-dealer and qualified custodian TBD, Member SIPC and FINRA. Investments are protected by SIPC up to $500,000 (including $250,000 for cash). For more information, visit www.sipc.org.
7. Investment Risk Disclosure
   Investments in securities are Not FDIC Insured, Not Guaranteed by Any Bank, and May Lose Value.
8. Advisory Services
   Investment advisory services are provided by TBD, an SEC-registered investment adviser. Brokerage services are offered through TBD, Member FINRA/SIPC.
9. Yield Estimates on Idle Cash
   xl FINANCIAL Invest-Edge may offer net annual yield opportunities of up to 5.43% on idle cash based on market conditions and estimated portfolio structures. This projection is illustrative only and based on hypothetical portfolio performance as of 03/04/2024 with estimated deposits of $20M+. Actual results may vary.
10. SEC Registration
    Our investment advisory partner is registered with the SEC. Registration does not imply a certain level of skill or training, nor does it constitute an endorsement by the SEC.
11. Investment Performance Disclaimer
    Past performance is not indicative of future results. All investments carry risk, including the possible loss of principal. Performance results are hypothetical unless otherwise noted, and individual results will vary based on portfolio composition, market conditions, and user behavior.
12. Information Reliability
    Information provided by xl FINANCIAL has been obtained from sources believed to be reliable, but no warranty is made as to its accuracy or completeness. This content is for informational purposes only and does not constitute a solicitation to buy or sell securities.
13. Forward-Looking Statements
    This communication may contain forward-looking statements, including expectations regarding performance, yield, or results. Actual results may differ materially due to various risk factors such as economic conditions, regulatory changes, and market volatility.
14. Target Return Estimates
    Target or projected returns are provided for illustrative purposes only and are not guarantees or promises of future performance. They are based on current assumptions and subject to change.
15. FDIC Status of Investment Products
    xl FINANCIAL Invest-Edge accounts are not FDIC insured. They are not deposits or obligations of our banking partner and are not guaranteed. Investments are subject to market risk and may result in the loss of principal.
16. Cash Back Eligibility
    To receive cash-back rewards, your xl FINANCIAL accounts must be open and in good standing—not suspended, past due, or in default.
17. FDIC Insurance on Deposits
    Deposits held in your xl FINANCIAL checking and savings accounts are maintained with our partner bank TBD, Member FDIC, and are insured up to the applicable limits set by the FDIC.

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Join the Waitlist to Secure Your Founder-Level* Account at xl FINANCIAL.

*as a Founder-Level account client (for either consumer, student or business accounts and/or credit), you will receive life-time one-on-one live support and an xl Financial Founder metal debit and/or credit card.

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