The High Circle Program (the “High Circle Program” or “Program”) is issued by First Bank Online (“Bank”), member of the FDIC, and is administered, marketed, and distributed by High Circle, LLC (“High Circle”) on behalf of Bank.

High Circle Program accounts (“Accounts”) are issued by First Bank Online, member FDIC. High Circle is a limited agent of First Bank Online and is authorized to administer, market, and distribute the High Circle Program on behalf of First Bank Online. Refer to your High Circle Program Customer Agreement and Terms of Conditions for a complete list of details including the costs, fees, limitations, terms, and conditions associated with your High Circle Account as well as your rights and responsibilities under the Program.

The funds in your Account will be FDIC insured up to the maximum FDIC insurance limits applicable to Bank. The insured amount may increase or decrease and is subject to limits set and reset by the FDIC from time to time. Additional information about deposit insurance is available on the FDIC’s website at https://www.fdic.gov/resources/deposit-insurance.

Please refer to the High Circle Privacy Policy for complete details on how we use and share the information we collect from you.

IMPORTANT INFORMATION FOR OPENING AN ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires High Circle to obtain, verify, and record information that identifies each person who opens an Account.

WHAT THIS MEANS FOR YOU: When you open a prepaid Account, High Circle will ask for your name, address, date of birth, and your government-issued ID number. High Circle may also ask to see your driver's license or other identifying information. Your Account cannot be opened or available for use until it is activated and your identity has been verified. If you begin the verification process but are required to provide additional identifying information, the use of your Account will be subject to certain limitations.

High Circle a financial technology company, not a bank. Banking services provided by FirstBank, a Tennessee Corporation, Member FDIC

By opening a High Circle account through High Circle and if you choose to receive banking services provided by FirstBank, a Tennessee Corporation; Member FDIC, you deposit your funds into a deposit account at FirstBank, which sweeps those funds into deposit accounts across a network of FDIC-insured banks, for up to the current SMDIA of $250,000 per eligible depositor, per destination institution, for each ownership capacity or category, subject to applicable terms and conditions FirstBank's ICS Deposit Placement Agreement. FirstBank. uses a third-party vendor and agent to help administer this sweep process. Visit Visit https://www.intrafi.com/network-banks/ for a list of the banks and savings associations with which FirstBank, has a business relationship for the placement of deposits at destination institutions, and into which your deposits may be placed (subject to applicable terms with you, and any opt-outs by FirstBank or you). The current limit for access to FDIC insurance on your funds through your High Circle account powered by FirstBank is $125,000,000 subject to change at any time by FirstBank. Terms and restrictions apply. Subject to applicable rate sheet. Interest rates and yields are effective as per the date on the rate sheet and are subject to change without notice. See applicable rate sheets. See our Account Agreements and other applicable terms. FDIC insurance is available to bank depositors up to $250,000 per eligible depositor, per FDIC-insured bank, per ownership capacity or category.

Investment opportunities are offered through an affiliate of High Circle, High CircleVentures LLC, a Texas limited liability company (“HCV”). Check the background of your financial professional on FINRA's  BrokerCheck . HCV operates as an exempt private fund adviser under Texas Administrative Code Title 7, Part 7 Rule Section 139.23. Its investment opportunities comprise offerings of private securities to accredited investors only pursuant to Rule 506(c) of Regulation D under the Securities Act of 1933, as amended.HCV does not provide comprehensive financial planning services to individual investors.The content set forth here is developed from sources believed to be providing accurate information. The information set forth herein is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation.

This website does not comprise an offer to sell or a solicitation of an offer to buy securities.A private offering of securities made by HCV will only be made pursuant to a confidential private placement memorandum (the “PPM”), which will be furnished to qualified investors on a confidential basis at their request for their consideration in connection with such offering. No person has been authorized to make any statement concerning the securities offered other than as set forth in the PPM and any such statements, if made, may not be relied upon.

Investments in private securities offered by HCV:
• Are NOT FDIC Insured
• Are NOT Bank Guaranteed
• May Lose Value.

An investment in private securities involves significant risks, including the potential loss of the entire investment. Before deciding to invest, prospective investors should pay particular attention to the risk factors contained in the PPM. Investors should also have the financial ability and willingness to accept the risk characteristics of an investment in the securities being offered thereby.

¹ Terms, Conditions and Restrictions applied. Please refer to your High Circle Terms of Service and the FirstBank Banking Services Agreement for full details.