Lili is a financial technology company, not a bank. Banking services are provided by Choice Financial Group, Member FDIC, or Sunrise Banks, N.A., Member FDIC. The Lili Visa® Debit Card is issued by Choice Financial Group, Member FDIC, or Sunrise Banks, N.A., Member FDIC, pursuant to a license from Visa U.S.A., Inc. Please see the back of your Card for its issuing bank. The Card may be used everywhere Visa debit cards are accepted.

Wire Transfer service provided by Column Bank N.A., Member FDIC. All wires are subject to acceptance criteria and risk-based review and may be rejected at the sole discretion of Column Bank N. A. or Lili App Inc.

¹ Available to Lili Pro, Lili Smart, and Lili Premium account holders only, applicable monthly account fee applies. For details, please refer to our Choice Financial Group Account Agreement if your Lili business deposit account was opened with Choice Financial Group, Member FDIC, or Sunrise Banks Account Agreement if your Lili business deposit account was opened with Sunrise Banks, N.A., Member FDIC.

² Available to Lili Smart and Lili Premium account holders only, applicable monthly account fee applies. For details, please refer to our Choice Financial Group Account Agreement if your Lili business deposit account was opened with Choice Financial Group, Member FDIC, or Sunrise Banks Account Agreement if your Lili business deposit account was opened with Sunrise Banks, N.A., Member FDIC.

³ The Annual Percentage Yield (“APY”) for the Lili Savings Account is variable and may change at any time. The disclosed APY is effective as of October 1, 2024. Must have at least $0.01 in savings to earn interest. The APY applies to balances of up to and including $100,000. Any portions of a balance over $100,000 will not earn interest or have a yield. Available to Lili Pro, Lili Smart, and Lili Premium account holders only.

⁴ BalanceUp is a discretionary overdraft program for debit card purchases only, offered for Lili Pro, Lili Smart, and Lili Premium Account holders. You must meet eligibility requirements and enroll in the program. Once enrolled, your Account must remain in good standing with a deposit and spending history that meets our discretionary requirements to maintain access to the feature. BalanceUp overdraft limits of $20-$200 are provided at our sole discretion, and may be revoked any time, with or without notice.

⁵ Early access to ACH transfer funds depends on the timing of payer’s submission of transfers. Lili will generally post these transfers on the day they are received which can be up to 2 days earlier than the payer’s scheduled payment date.

⁶ Up to $1,000 per 24 hours period and a maximum of $9,000 per month. Some locations have lower limits and retailer fees may vary ($4.95 max). Note that Lili does not charge transaction fees.

⁷ Lili AI and other reports related to income and expense provided by Lili can be used to assist with your accounting. Final categorization of income and expenses for tax purposes is your responsibility. Lili is not a tax preparer and does not provide tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors regarding your specific situation.

⁸ Lili does not charge debit card fees related to foreign transactions, in-network ATM usage, or card inactivity, or require a minimum balance. The Lili Visa® Debit Card is included in all account plans, and remains fee-free with the Lili Basic plan. Applicable monthly account fee applies for the Lili Pro, Lili Smart, and Lili Premium plans. For details, please refer to our Choice Financial Group Account Agreement if your Lili business deposit account was opened with Choice Financial Group, Member FDIC, or Sunrise Banks Account Agreement if your Lili business deposit account was opened with Sunrise Banks, N.A., Member FDIC.

⁹ The Mail a Check, Outgoing Wire Transfers and Invite Your Accountant features are only available for Lili business deposit accounts opened through Sunrise Banks, N.A., Member FDIC.

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