Instant Financial vs ServerLife

Your pay, on your schedule. Instant gives employees at participating employers access to wages they've already earned before payday, plus fast access to tips. No loans, no interest, no waiting for your paycheck. WHO CAN USE INSTANT Instant is offered as a benefit through your employer. If your workplace has partnered with Instant, you'll be invited to enroll. Not sure? Ask your manager or HR team. ACCESS YOUR EARNED WAGES - Receive Instant Pay offers for wages you've already earned and accept the ones you want - Get your tips on your Instant card within 24 hours of your shift - Get a notification whenever money is added to your card YOUR MONEY, YOUR WAY - Shop in store and online anywhere Visa is accepted - Withdraw cash at thousands of in-network ATMs with no Instant fee—find the nearest one in the app - Transfer to your bank: standard transfers are free; real-time transfers are available for a small fee, shown before you confirm - Set up one-time or recurring transfers STAY IN CONTROL - Check your balance and recent activity in real time - Freeze and unfreeze your card instantly if it's lost or stolen - Pair a replacement card and update your details in the app - Available in English and Spanish SUPPORT WHEN YOU NEED IT - Chat with support in the app - Email support@instant.co - Call the number on the back of your card GOOD TO KNOW - Instant Pay offers are available for a limited window—accept them before they expire - Some merchants (gas stations, hotels, restaurants, rental agencies) place temporary pre-authorization holds that can take several days to release - Standard bank transfers typically arrive in 1–2 business days depending on when you submit them - Your Instant card can only be loaded with wages, tips, and reimbursements from your employer IMPORTANT INFORMATION The Instant Financial App allows Instant Financial Prepaid Visa Cardholders and participants in the Instant Pay earned wage access service to manage their payroll card accounts and access earned wages ahead of pay day. There are fees for certain services, please see the Cardholder Agreement and fee schedule for additional information. The Prepaid card (or the Instant Payroll Card) is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc. Visa is a registered trademark of Visa, U.S.A. Inc. All other trademarks and services belong to their respective owners. Cardholder Agreement and fee schedule: https://www.instant.co/us-cha/

Stop guessing what you made — or what you'll make. ServerLife is a powerful Tip Tracker and Income Tracker built for tipped and commission-based workers who want to clearly see their real take-home pay — shift by shift. Over 750,000 workers have used ServerLife to log more than 65 million income entries and understand exactly where their money comes from. If your income changes week to week, ServerLife brings clarity. Built for Variable Income Perfect for: • Servers & Bartenders • Gaming Dealers • Uber, Lyft & Delivery Drivers • Shipt & Instacart Shoppers • Stylists, Barbers & Makeup Artists • Fitness & Yoga Instructors • Commission Sales • Freelancers & Independent Contractors • Self-Employed Workers If you earn tips, commissions, or shift-based income — ServerLife helps you track it all. Track Your Shifts in Seconds Log your earnings at the end of your shift and instantly see: • Total earnings • Hourly averages • Weekly & monthly totals • Your best-paying days • Income trends over time No more mental math. No more guessing if it was a "good week." Free Features • Track tips • Track hours • Add notes • Daily, weekly, monthly & yearly totals • Custom pay week start • Entry reminders • Income forecasting — see your projected month-end total based on your own shift history ServerLife makes it simple to stay consistent and build a clear record of your earnings. Know What You'll Make Before the Month Ends ServerLife's Forecasting tab uses your last 90 days of shifts to predict what you're likely to earn for the rest of the month — based entirely on your own patterns, not industry averages. • See how much you've earned so far and what's projected for the rest of the month • Understand your average earnings and how often you work each day of the week • Confidence level shows how reliable your estimate is as your history grows The more you log, the smarter your forecast gets. Upgrade to Premium for Advanced Income Tracking Unlock deeper insight and powerful comparison tools: • Forecast range — see a realistic earnings spread, not just a single number • What-if scenarios — find out what picking up an extra shift would add to your month • Goal check — see how many shifts you'd need to hit your monthly target • Separate Cash & Credit tips • Service charges • Tip Out & Tip In • Hourly wages • Sales totals & Tip % • Covers & sales per cover • Expenses • Work schedule • Multiple jobs & positions • Goals & progress tracking • Mileage & delivery fees • Shift, job & role comparisons • Advanced filtering See which shifts, sections, or roles make you the most money — and plan smarter. Built for Real Workers Cash income is easy to spend and hard to measure. ServerLife gives you a clear, organized view of your earnings so you can make better financial decisions with confidence. Safe & Secure Your data is securely backed up to the cloud automatically. Switch phones? Nothing is lost. Access your income history anytime across devices. ServerLife — The Tip Tracker trusted by over 750,000 workers.