(*)Utoppia is a financial technology company, not a bank. Banking services are provided by Regent Bank, Member FDIC. FDIC insurance only covers failure of insured depository institutions. Certain conditions must be satisfied for pass-through FDIC deposit insurance to apply.

Card issued by Payblr, Inc. pursuant to a license from Visa. Card is distributed and serviced by Utoppia.

The bill payments service is provided by AUNTAPI LLC.

Utoppia is only an intermediary of W2B, Inc. (“Wealth2B”), a corporation organized under the laws of the State of Delaware, whereby Wealth2B offers the Wealth2B investment services (as such term is defined in Utoppia’s Plus Terms of Services found at www.utoppia.com and Utoppia integrates such services into the Mobile App.The investment services are offered through Wealth2B, an investment adviser registered with the United States Securities and Exchange Commission (CRD# 331220). Registration does not imply a certain level of skill or training. Wealth2B is not a bank and is not affiliated with Utoppia Inc.Brokerage services are provided by Alpaca Securities LLC (“Alpaca”), member FINRA/SIPC, a wholly-owned subsidiary of AlpacaDB, Inc. Investment advisory services are offered by W2B, Inc., an SEC-registered investment adviser (CRD# 331220). Registration does not imply a certain level of skill or training. View Alpaca’s disclosures at: Alpaca - Disclosures and Agreements and W2B’s Form ADV at W2B´s FORM ADV. Investing involves risk and investments may lose value, including the loss of principal. Past performance does not guarantee future results.