Qapital: The Money Saving App vs Wealthfront: Save and Invest Usage & Stats

We’re built to help you build wealth better. CASH ACCOUNT: EARN 3.95% Annual Percentage Yield (APY) Earn a high APY with no fees via program banks—and get a 0.65% boost for three months when you join as a new client. Get free instant withdrawals to eligible accounts, and access over 19,000 free ATMs, plus get two ATM fee reimbursements (up to $7.50 each) per month. Learn more at wealthfront.com/cash. AUTOMATED BOND LADDER: LOCK-IN HIGH YIELDS (AND NO STATE TAXES) Make the most of current rates with a ladder of US Treasuries. Your interest is exempt from state and local income taxes, so you can earn more than most savings accounts and some CDs. AUTOMATED INVESTING ACCOUNT: EXPERT-BUILT ETF PORTFOLIOS Hands-off investing made easy. We’ll recommend a globally-diversified portfolio of automated index funds that’s personalized for you. We handle the trades, reinvest your dividends, and help to lower your taxes. INVEST IN STOCKS WITH ZERO COMMISSIONS Invest directly in the stocks and ETFs that you believe in. Get started for as little as $1. UPGRADE YOUR S&P 500® INVESTING Invest directly in the stocks of the S&P 500® and we’ll manage everything for you. We handle all the trades and take advantage of dips in the market to look for opportunities to lower your tax bill. BUILD YOUR WEALTH IN ONE PLACE Get a big-picture view of your finances and make sure you’re on track now and into retirement. Say goodbye to multiple apps and forgotten passwords, and take the guesswork out of building wealth. The information contained in this communication is for general informational purposes only should not be construed as tax advice, an offer, recommendation, or solicitation to buy or sell any security. Cash Account offered by Wealthfront Brokerage LLC (“Wealthfront Brokerage”), Member FINRA/SIPC. Neither Wealthfront Brokerage nor any of its affiliates are a bank, and Cash Account is not a checking or savings account. *The Annual Percentage Yield (“APY”) on cash deposits as of January 30, 2026, is representative, subject to change, and requires no minimums. We convey funds to program banks who accept and maintain deposits, provide the variable APY, and provide FDIC insurance. The S&P 500® index is a product of S&P Dow Jones Indices LLC (“SPDJI”) and has been licensed for use by Wealthfront Advisers LLC. Standard & Poor’s®, S&P®, S&P 500®, US 500 and The 500 are trademarks of Standard & Poor’s Financial Services LLC; Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Wealthfront Advisers LLC. Wealthfront’s S&P 500 Direct Portfolio is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product nor do they have any liability for any errors, omissions, or interruptions of the S&P 500® index. The yield earned from U.S. Treasuries is exempt from state and local income taxes. However, interest income from Treasuries is subject to federal income tax. Tax treatment may vary based on your individual circumstances. To understand implications for your specific financial situation, consult a tax professional. Product images show Wealthfront’s free, software-based financial planning tool, Path, which helps users optimize their finances to meet certain goals. The information provided by the images is for illustrative purposes only and is not investment advice or performance. Users should not rely on this information as a basis of investment, financial, or tax planning decisions. Copyright 2026 Wealthfront Corporation. All rights reserved.