Kachinga vs HLB Pocket Connect App

Kachinga™ helps parents raise financially smart kids by combining an intuitive allowance, chore, and savings management app with a secure debit card for kids with parental controls to provide critical real-world money experience. Kachinga empowers kids by giving them age-appropriate ideas how to earn money and the freedom to make their own money decisions in a safe and controlled environment. And gives parents peace of mind by making it super easy to transfer money (no more trips to the ATM!), providing transparency and controls for kids’ spending, and delivering personalized financial literacy guidance and tools to help teach kids how to manage money responsibly. Kachinga uses a reloadable debit card which means kids can only spend what parents put on the card. This means no overspending and no unexpected overdraft fees. Ever. FOR PARENTS – CONVENIENCE & PEACE OF MIND - Automate allowances & paid chores - Instantly transfer money to kids’ cards - Manage paid & unpaid chores - Get real-time spending & chore notifications - Set parent-paid interest rates for all savings - Automatically match funds for each Save goal - Turn card on/off from the app - View kids’ account histories & trends - Invite others to contribute to kids’ Save goals FOR KIDS & TEENS – FREEDOM & RESPONSIBILITY - Use their own app to manage their money - Track Spend, Save & Give account balances - View & manage chores - Request paid chores - Create savings & giving goals - Shop online & in stores with their own card - Use Apple Pay - Turn card on/off from the app - View account history & trends SECURITY YOU CAN COUNT ON - No hidden fees & no overdrafts mean no unwelcome surprises - Accounts are FDIC insured through our partner Sunrise Banks, member FDIC - Bank-grade encryption & authentication; we never store Social Security numbers - Highly secure data management & strict data privacy; we never sell your data - Fingerprint & Face ID lock to ensure privacy & security - Automatically blocked categories for non-age appropriate spending - Parents can choose if or how much money a kid can withdraw from ATM Kachinga offers two subscription options: - Real Money (Free for 1 month, $36/year per child): Transfer money to your child's Kachinga reloadable debit card to provide critical real-world experience. - Virtual Money (Free): Manage & track money you're holding elsewhere for your kids. Perfect for younger kids! Learn more at https:/kachinga.com.

Get ready for the grown-up world of money with HLB Pocket Connect App Easy-to-use features that will have you EARN, SPEND, SAVE. REPEAT. • Earn extra pocket money by completing tasks (or for good behavior!) Whether it’s washing dad’s car, getting an A on a test or helping mom with the dishes, receive and request tasks from your parents to earn extra pocket money. • Spend with your own HLB Debit Card Gain the freedom to spend in the grown-up world without the worry of losing cash. • Reload your mobile prepaid anytime, anywhere You can now perform instant reloads for mobile prepaid (Celcom, DiGi, Hotlink & U Mobile) with your HLB Debit Card. • Pay and receive money Scan QR with the HLB Pocket Connect App to pay for food, books and more without your HLB Debit Card! You can also show your QR code to receive pocket money. • Be in charge of your own savings Check your balance and past purchases in real-time and always be ahead of your hard-earned pocket money. • Create savings goals and use the Wishlist Feature to save towards them Have your eyes set on the latest gaming console? Use our wishlist feature to automatically save towards your goals. • Be an Earth Hero Complete 20 tasks or QR payments to grow a real tree. You can make a difference. Your parent can help you open an account today at www.hlb.com.my/pocket . Start earning, spending and save responsibly with your HLB 3-in-1 Junior Account and the HLB Pocket Connect App!