Chime Financial, Inc. – Class A Common Stock

Chime Financial Inc. is a U.S.-based financial technology company dedicated to providing fee-free, mobile-first banking solutions for consumers. Founded in 2012 and headquartered in San Francisco, Chime operates by partnering with regulated financial institutions such as Stride Bank and The Bancorp Bank, enabling it to offer services like checking and savings accounts, early paycheck access, fee-free overdraft, peer-to-peer payments, and a secured credit card designed to help users build their credit. The company’s business model is centered on collecting interchange fees from debit card transactions rather than relying on traditional sources of banking revenue such as overdraft, monthly service, or minimum balance fees. This approach has positioned Chime as an industry disruptor, aiming to make banking more inclusive and affordable, especially for individuals living paycheck to paycheck or seeking alternatives to conventional banks. Chime supports millions of account holders nationwide and plays a significant role in advancing financial inclusion and digital banking innovation in the U.S. market.