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ShoulderTap Technologies, Inc. d/b/a MINE™ © 2026. All rights reserved.

50 W 23rd Street, Floor 10, New York, NY 10010.

ShoulderTap Technologies, Inc. d/b/a Mine (f/k/a Fizz) (together with its subsidiaries, “Mine”) is not a bank. The Mine Visa® Debit Card and the legacy Fizz-branded Visa® Debit Card (together, the “Visa Cards”) are issued by Lead Bank, Member FDIC, pursuant to a license from Visa® and may be used everywhere Visa® debit cards are accepted. The legacy Fizz-branded Debit Mastercard® (together with the Visa Cards, the “Card”) is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard® and may be used everywhere Mastercard® debit cards are accepted. Any loans you may be offered in connection with your use of a Card are originated by Lead Bank. Any promotions or rewards you may be offered in connection with your use of your Card are offered and managed by Mine, not our bank partners.

All activities conducted by Mine as program manager in connection with the Card and the corresponding line of credit are conducted by Mine Technologies, Inc. (f/k/a Fizz Technologies, Inc.) (NMLS: 2522542).

¹App and Play Store rating as of January 2026.

²Based on Experian® VantageScore® of active Card users who joined Mine between September 2025 and January 2026 and had at least two Card credit cycles reported on their behalf. The Experian® VantageScore® score is one of many credit scoring models and may not be the same model your lender uses. Credit scores depend on various factors, including your payment history, delinquencies, credit utilization, length of credit history, types of credit, total number of accounts, inquiries, and other financial activities. Individual results may vary and a credit score increase is not guaranteed. Mine, on behalf of Lead Bank, will report your activities to Experian® and Transunion®. Using your Card responsibly may help you improve your credit score. Failing to make timely repayments on your Card or closing your Card may negatively impact your credit score. Individual results may vary.

³Merchants featured do not endorse Mine and are not affiliated with Mine.

⁴Membership is subject to a periodic, recurring subscription fee. See usemine.com/policies/fee for details. Cancel your subscription at any time in the app prior to the next billing date. Members may choose to apply for a Membership tier Card but are not required to. Mine Membership does not guarantee access to a Card. Application and eligibility restrictions apply. Cardholders who cancel their Membership may reach out to customer support to avoid losing access to their Card at the end of their subscription term. If you are interested in Membership services but can't afford the Subscription Fee, or if you would like to apply for the Card without subscribing to the Membership, contact customer support in the Mine app.

⁵Over $300 in annual value of Card based on cash value available to Card users assuming half of all available rewards and promotions are used. Actual results may vary.

⁶Mine is not a financial advisor or registered investment advisor and does not provide financial advice or investment advice. Any information provided by Mine, including through the app and via MoneyGPT, is for informational purposes only and should not be relied upon as financial advice or investment advice.

⁷Based on the Discover it Student Cash Back Card as of 4/30/25.

⁸Based on Capital One Savor Rewards as of 4/30/25.

⁹Annual cost for Traditional Student Credit Card and Traditional Secured Credit Card categories assumes that a customer has an outstanding monthly statement balance of $500, makes the minimum required payment of $25.00 each month, is subject the maximum APR advertised in the category (calculated using the Daily Periodic Rate), and is charged one $41 late fee per year (the national average according to the CFPB).

*Terms, conditions, and eligibility restrictions apply. Customers who successfully apply for and accept a Card will receive an initial line of credit between $90 and $1,000 based on underwriting. Credit lines may be adjusted over time based on repayment history and other factors if certain criteria are met. Contact support in the app to request a free Card application without Membership features.

Cardholders: Mine reports your payment history on the revolving, open-end line of credit accessed by your Card. Increases or specific changes to your credit score are not guaranteed. Impact on your credit score may vary depending on your use. Mine is required to report late payments, missed payments, or other defaults on your account, which may negatively impact your credit score. Credit scores are independently determined by credit bureaus based on a number of factors, including your activity with other creditors. The Card and related services will not remove negative credit history from your credit report. Mine, on behalf of Lead Bank, will report your activities to Experian® and Transunion®.

Mine is not a credit repair tool and does not offer any form of credit counseling services. Mine makes no representation or promise that it will improve your credit score, history, or profile or provide you with any assistance in that regard. None of Mine’s services, including your ability to check your credit report and/or score through the Mine App, is offered or provided with respect to the extension of credit by third parties. Mine and its affiliates are not credit repair organizations or credit services organizations, and are not offering to sell, provide or perform any service to you for the express or implied purpose of either improving your credit record, credit history or credit rating, obtaining an extension of credit for you, or providing advice or assistance to you with regard to improving your credit record, credit history or credit rating.

For additional information, terms and conditions applicable to your use of Mine’s services, please consult Mine’s Terms of Use and Privacy Policy, the Cardholder Agreement, any Line of Credit Agreement in effect between you and Lead Bank and any and all other applicable terms, policies and guidelines made available to you through the Mine services.

Selected customers reviews above describe individual experiences or results. Non-substantive changes have been made to some reviews for brevity or to replace “Fizz” with “Mine.” Individuals in videos featured above are paid spokespeople. Actual results may vary.

For people with disabilities, including those who are visually impaired, deaf, or hard of hearing, we accept messages via our in-app chat, emails at [email protected], and calls on our answering machine at (940) 260-2704. If you leave us a voicemail, please leave your name and number and a member of our customer support team will return your call.

About Us

Card

Membership

Resources

Help Center

Policies

Press Kit

Ambassador

ShoulderTap Technologies, Inc. d/b/a MINE™ © 2026. All rights reserved.

50 W 23rd Street, Floor 10, New York, NY 10010.

ShoulderTap Technologies, Inc. d/b/a Mine (f/k/a Fizz) (together with its subsidiaries, “Mine”) is not a bank. The Mine Visa® Debit Card and the legacy Fizz-branded Visa® Debit Card (together, the “Visa Cards”) are issued by Lead Bank, Member FDIC, pursuant to a license from Visa® and may be used everywhere Visa® debit cards are accepted. The legacy Fizz-branded Debit Mastercard® (together with the Visa Cards, the “Card”) is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard® and may be used everywhere Mastercard® debit cards are accepted. Any loans you may be offered in connection with your use of a Card are originated by Lead Bank. Any promotions or rewards you may be offered in connection with your use of your Card are offered and managed by Mine, not our bank partners.

All activities conducted by Mine as program manager in connection with the Card and the corresponding line of credit are conducted by Mine Technologies, Inc. (f/k/a Fizz Technologies, Inc.) (NMLS: 2522542).

¹App and Play Store rating as of January 2026.

²Based on Experian® VantageScore® of active Card users who joined Mine between September 2025 and January 2026 and had at least two Card credit cycles reported on their behalf. The Experian® VantageScore® score is one of many credit scoring models and may not be the same model your lender uses. Credit scores depend on various factors, including your payment history, delinquencies, credit utilization, length of credit history, types of credit, total number of accounts, inquiries, and other financial activities. Individual results may vary and a credit score increase is not guaranteed. Mine, on behalf of Lead Bank, will report your activities to Experian® and Transunion®. Using your Card responsibly may help you improve your credit score. Failing to make timely repayments on your Card or closing your Card may negatively impact your credit score. Individual results may vary.

³Merchants featured do not endorse Mine and are not affiliated with Mine.

⁴Membership is subject to a periodic, recurring subscription fee. See usemine.com/policies/fee for details. Cancel your subscription at any time in the app prior to the next billing date. Members may choose to apply for a Membership tier Card but are not required to. Mine Membership does not guarantee access to a Card. Application and eligibility restrictions apply. Cardholders who cancel their Membership may reach out to customer support to avoid losing access to their Card at the end of their subscription term. If you are interested in Membership services but can't afford the Subscription Fee, or if you would like to apply for the Card without subscribing to the Membership, contact customer support in the Mine app.

⁵Over $300 in annual value of Card based on cash value available to Card users assuming half of all available rewards and promotions are used. Actual results may vary.

⁶Mine is not a financial advisor or registered investment advisor and does not provide financial advice or investment advice. Any information provided by Mine, including through the app and via MoneyGPT, is for informational purposes only and should not be relied upon as financial advice or investment advice.

⁷Based on the Discover it Student Cash Back Card as of 4/30/25.

⁸Based on Capital One Savor Rewards as of 4/30/25.

⁹Annual cost for Traditional Student Credit Card and Traditional Secured Credit Card categories assumes that a customer has an outstanding monthly statement balance of $500, makes the minimum required payment of $25.00 each month, is subject the maximum APR advertised in the category (calculated using the Daily Periodic Rate), and is charged one $41 late fee per year (the national average according to the CFPB).

*Terms, conditions, and eligibility restrictions apply. Customers who successfully apply for and accept a Card will receive an initial line of credit between $90 and $1,000 based on underwriting. Credit lines may be adjusted over time based on repayment history and other factors if certain criteria are met. Contact support in the app to request a free Card application without Membership features.

Cardholders: Mine reports your payment history on the revolving, open-end line of credit accessed by your Card. Increases or specific changes to your credit score are not guaranteed. Impact on your credit score may vary depending on your use. Mine is required to report late payments, missed payments, or other defaults on your account, which may negatively impact your credit score. Credit scores are independently determined by credit bureaus based on a number of factors, including your activity with other creditors. The Card and related services will not remove negative credit history from your credit report. Mine, on behalf of Lead Bank, will report your activities to Experian® and Transunion®.

Mine is not a credit repair tool and does not offer any form of credit counseling services. Mine makes no representation or promise that it will improve your credit score, history, or profile or provide you with any assistance in that regard. None of Mine’s services, including your ability to check your credit report and/or score through the Mine App, is offered or provided with respect to the extension of credit by third parties. Mine and its affiliates are not credit repair organizations or credit services organizations, and are not offering to sell, provide or perform any service to you for the express or implied purpose of either improving your credit record, credit history or credit rating, obtaining an extension of credit for you, or providing advice or assistance to you with regard to improving your credit record, credit history or credit rating.

For additional information, terms and conditions applicable to your use of Mine’s services, please consult Mine’s Terms of Use and Privacy Policy, the Cardholder Agreement, any Line of Credit Agreement in effect between you and Lead Bank and any and all other applicable terms, policies and guidelines made available to you through the Mine services.

Selected customers reviews above describe individual experiences or results. Non-substantive changes have been made to some reviews for brevity or to replace “Fizz” with “Mine.” Individuals in videos featured above are paid spokespeople. Actual results may vary.

For people with disabilities, including those who are visually impaired, deaf, or hard of hearing, we accept messages via our in-app chat, emails at [email protected], and calls on our answering machine at (940) 260-2704. If you leave us a voicemail, please leave your name and number and a member of our customer support team will return your call.

About Us

Card

Membership

Resources

Help Center

Policies

Press Kit

Ambassador

ShoulderTap Technologies, Inc. d/b/a MINE™ © 2026. All rights reserved.

50 W 23rd Street, Floor 10, New York, NY 10010.

ShoulderTap Technologies, Inc. d/b/a Mine (f/k/a Fizz) (together with its subsidiaries, “Mine”) is not a bank. The Mine Visa® Debit Card and the legacy Fizz-branded Visa® Debit Card (together, the “Visa Cards”) are issued by Lead Bank, Member FDIC, pursuant to a license from Visa® and may be used everywhere Visa® debit cards are accepted. The legacy Fizz-branded Debit Mastercard® (together with the Visa Cards, the “Card”) is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard® and may be used everywhere Mastercard® debit cards are accepted. Any loans you may be offered in connection with your use of a Card are originated by Lead Bank. Any promotions or rewards you may be offered in connection with your use of your Card are offered and managed by Mine, not our bank partners.

All activities conducted by Mine as program manager in connection with the Card and the corresponding line of credit are conducted by Mine Technologies, Inc. (f/k/a Fizz Technologies, Inc.) (NMLS: 2522542).

¹App and Play Store rating as of January 2026.

²Based on Experian® VantageScore® of active Card users who joined Mine between September 2025 and January 2026 and had at least two Card credit cycles reported on their behalf. The Experian® VantageScore® score is one of many credit scoring models and may not be the same model your lender uses. Credit scores depend on various factors, including your payment history, delinquencies, credit utilization, length of credit history, types of credit, total number of accounts, inquiries, and other financial activities. Individual results may vary and a credit score increase is not guaranteed. Mine, on behalf of Lead Bank, will report your activities to Experian® and Transunion®. Using your Card responsibly may help you improve your credit score. Failing to make timely repayments on your Card or closing your Card may negatively impact your credit score. Individual results may vary.

³Merchants featured do not endorse Mine and are not affiliated with Mine.

⁴Membership is subject to a periodic, recurring subscription fee. See usemine.com/policies/fee for details. Cancel your subscription at any time in the app prior to the next billing date. Members may choose to apply for a Membership tier Card but are not required to. Mine Membership does not guarantee access to a Card. Application and eligibility restrictions apply. Cardholders who cancel their Membership may reach out to customer support to avoid losing access to their Card at the end of their subscription term. If you are interested in Membership services but can't afford the Subscription Fee, or if you would like to apply for the Card without subscribing to the Membership, contact customer support in the Mine app.

⁵Over $300 in annual value of Card based on cash value available to Card users assuming half of all available rewards and promotions are used. Actual results may vary.

⁶Mine is not a financial advisor or registered investment advisor and does not provide financial advice or investment advice. Any information provided by Mine, including through the app and via MoneyGPT, is for informational purposes only and should not be relied upon as financial advice or investment advice.

⁷Based on the Discover it Student Cash Back Card as of 4/30/25.

⁸Based on Capital One Savor Rewards as of 4/30/25.

⁹Annual cost for Traditional Student Credit Card and Traditional Secured Credit Card categories assumes that a customer has an outstanding monthly statement balance of $500, makes the minimum required payment of $25.00 each month, is subject the maximum APR advertised in the category (calculated using the Daily Periodic Rate), and is charged one $41 late fee per year (the national average according to the CFPB).

*Terms, conditions, and eligibility restrictions apply. Customers who successfully apply for and accept a Card will receive an initial line of credit between $90 and $1,000 based on underwriting. Credit lines may be adjusted over time based on repayment history and other factors if certain criteria are met. Contact support in the app to request a free Card application without Membership features.

Cardholders: Mine reports your payment history on the revolving, open-end line of credit accessed by your Card. Increases or specific changes to your credit score are not guaranteed. Impact on your credit score may vary depending on your use. Mine is required to report late payments, missed payments, or other defaults on your account, which may negatively impact your credit score. Credit scores are independently determined by credit bureaus based on a number of factors, including your activity with other creditors. The Card and related services will not remove negative credit history from your credit report. Mine, on behalf of Lead Bank, will report your activities to Experian® and Transunion®.

Mine is not a credit repair tool and does not offer any form of credit counseling services. Mine makes no representation or promise that it will improve your credit score, history, or profile or provide you with any assistance in that regard. None of Mine’s services, including your ability to check your credit report and/or score through the Mine App, is offered or provided with respect to the extension of credit by third parties. Mine and its affiliates are not credit repair organizations or credit services organizations, and are not offering to sell, provide or perform any service to you for the express or implied purpose of either improving your credit record, credit history or credit rating, obtaining an extension of credit for you, or providing advice or assistance to you with regard to improving your credit record, credit history or credit rating.

For additional information, terms and conditions applicable to your use of Mine’s services, please consult Mine’s Terms of Use and Privacy Policy, the Cardholder Agreement, any Line of Credit Agreement in effect between you and Lead Bank and any and all other applicable terms, policies and guidelines made available to you through the Mine services.

Selected customers reviews above describe individual experiences or results. Non-substantive changes have been made to some reviews for brevity or to replace “Fizz” with “Mine.” Individuals in videos featured above are paid spokespeople. Actual results may vary.

For people with disabilities, including those who are visually impaired, deaf, or hard of hearing, we accept messages via our in-app chat, emails at [email protected], and calls on our answering machine at (940) 260-2704. If you leave us a voicemail, please leave your name and number and a member of our customer support team will return your call.