Northstar Money vs CloudPay

NORTHSTAR – PERSONALIZED FINANCIAL GUIDANCE Northstar helps you build a healthier relationship with your money through personalized guidance, clear action steps, and real human support. Designed to meet you where you are, Northstar simplifies complex financial decisions and helps you move forward with confidence. Whether you’re managing everyday finances, navigating benefits, planning for retirement, or preparing for life changes, Northstar gives you clarity and direction. WHAT YOU CAN DO WITH NORTHSTAR 1-ON-1 FINANCIAL GUIDANCE Get access to a credentialed financial advisor (CFP) through secure chat, phone, or video. Northstar advisors act as fiduciaries and provide personalized guidance without commissions or product sales, tailored to your goals and life stage. PERSONALIZED ACTION PLANS Turn goals into clear, actionable next steps. Northstar helps you focus on what matters most right now, without long questionnaires, complex charts, or overwhelming documents. A CLEAR FINANCIAL PICTURE See your financial life in one place. Understand your income, spending, savings, and progress toward your goals with intuitive tools that support informed decision-making. BENEFITS AND COMPENSATION INSIGHTS Make sense of your total compensation, including employer benefits. Get guidance on health plans, retirement savings, equity, and other benefits so you can make confident choices. SUPPORT THROUGH LIFE’S FINANCIAL MOMENTS From starting a new job to buying a home, growing your family, or planning for retirement, Northstar adapts as your life changes and your financial needs evolve. WHY PEOPLE TRUST NORTHSTAR Northstar was built to make financial guidance clear, accessible, and aligned with your goals. We prioritize clarity over jargon and guidance over pressure, so you can feel informed and in control of your money. SECURITY AND PRIVACY Your data is protected with industry-standard security and encryption. Your financial information is private and always under your control. Get started with Northstar today and take the next step toward financial confidence.

CloudPay – The Global Pay Experience App Take control of your pay with CloudPay — the global high-performance pay experience app for employees. Whether you’re checking your payslip, accessing earned wages early, or seeking to improve your financial wellbeing, CloudPay app empowers you to manage your money confidently, anytime, anywhere. A Seamless Pay Experience – Defined by Your Employer Your CloudPay experience is designed by your employer to suit your organization’s pay and benefits approach. The app brings together a range of powerful services—from payslips to wellbeing tools—available through one intuitive web and mobile platform. Depending on your employer’s setup, you may have access to: • Payslips & Documents – View payslips, P60s, and HR documents anytime • Pay On Demand – Access earned wages instantly when you need them • Wellbeing Hub – Financial education, budgeting tools, and wellbeing resources • 24/7 Chatbot Support – Get instant help through in-app assistance • Company Announcements – Stay updated with payroll and HR communications • Global Coverage – Available to employees in organizations powered by CloudPay’s payroll services Why Employees Love It • Greater transparency and control over pay • Less financial stress and faster support • Flexible, modern, and easy-to-use app experience Why Employers Trust It • Fewer payroll queries (up to 50% reduction) • Enhanced engagement and retention • A future-ready pay experience for a global workforce CloudPay transforms getting paid from a monthly process into a continuous, empowering experience. Download today and experience the future of pay. https://www.cloudpay.com/service/cloudpay-app/