Instant Financial vs ONE@Work (formerly Even)

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/

ONE@Work (formerly Even) partners with leading employers, like Walmart, to provide simple tools that help you take control of your pay — without the hassle. Through ONE@Work, you can: - Get paid early* – With Instapay, access your net earnings before payday to help cover the unexpected. No fees** or hidden interest. - Track your earnings – See your work schedule and track how much you’ll make per shift and per paycheck – no more guesswork.** - Save automatically – Choose a percentage you want to save and we’ll deduct it from your paycheck automatically. - Budget easily – When you connect your bank account, ONE@Work helps you calculate what’s okay to spend. ONE@Work is only available as an employer-provided benefit. ONE@Work Save is powered by Cross River Bank, Member FDIC or Coastal Community Bank, Member FDIC. * Instapay is currently unavailable for Walmart associates in NY. ** Only available for members whose employers have configured this benefit within the app.