Fispoke is an online platform providing private banking services to independent financial services professionals and their clients. Fispoke is not a bank or lending institution. Fispoke’s solutions are provided by third-party partner financial institutions. Rates and FDIC insurance are determined by partner banks, subject to FDIC rules, including aggregate insurance coverage limits. For additional information regarding FDIC coverage, please visithttps://fdic.gov. Annual percentage yield on deposit accounts may change at any time. If you are introduced to Fispoke by a financial professional, please be aware that, unless explicitly disclosed to you, they are not affiliated with Fispoke. Financial professionals may charge fees, which impact the effective rate on deposited cash. For more information, please speak with your financial professional.All information contained herein is for information purposes only and should not be considered financial, accounting, legal, or tax advice. You should consider seeking advice from your own advisor to determine suitability for your specific situation.

Fispoke Disclosures: ¹Annual Percentage Yield (APY) is effective as of December 17, 2025. The APY may change at the discretion of Fispoke Inc.’s affiliated bank partners, at any time. Annual percentage yield (APY) means a percentage rate reflecting the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365-day period. ²Aggregate insurance provided through network financial institutions. A list identifying National Bank InterDeposit Company (NBID) network banks can be found at nbid.com/bank-list [nbid.com]. NBID and ModernFi are not FDIC-insured banks, and deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for “pass-through” FDIC deposit insurance coverage to apply.