World XPay vs Bluevine

FRAUD-PROOF This is the only guaranteed fraud-proof payment app in the world! XPay protects you against transaction fraud, card theft, hackers, and even lost cards. XPay changes the way your cards interact with merchants, acquirers and banks on the financial networks. A technology so powerful, it's guaranteed to be transaction safe (our lawyers cringed at first but then agreed). PRIVACY XPay also provides you with more privacy than any other payment method or eWallet. When you shop where you see the XPay logo, you'll automatically have increased financial privacy and faster check-outs. Since we just started rolling out in the US in 2020, accepted locations are growing everyday. Visit our website for merchant lists, employment opportunities and how to accept XPay at your store (world-xchange.com). EASIER AND FASTER Whether standing at the check-out or online, you'll enjoy being in control and the efficiency of the whole payment process. When online, you'll never have to fill-out another long and painful form. This is because you control the shopping cart and communication with your bank. This is the way shopping was supposed to be, with you controlling the access to your money (radical we know). DON'T MISS A THING All this added simplicity, privacy and protection using your same cards and all the perks and rewards you currently enjoy with each one. XPay doesn't change your cards, it changes how they work, making them safer, easier and more private. For more information about this amazing technology, our company, career opportunities, future territory and language roll-outs, please visit: world-xchange.com.

Bluevine Business Checking is a premier checking account thoughtfully designed for a simple, all-in-one digital banking experience. The Bluevine Business Checking app lets you manage cash flow, pay bills, track transactions, and deposit checks right from your phone. EARN MORE INTEREST * Eligible customers can earn competitive interest on balances up to $3 million with one of our business checking plans. NO MONTHLY FEES Make all the deposits or payments you need with no limit on your number of transactions.** Plus, you can save with no monthly or overdraft fees and no minimum opening deposit or balance requirements. BUDGET BETTER WITH MULTIPLE ACCOUNTS You can now manage up to 50 sub-accounts so you can easily budget for taxes, payroll, and more. Each sub-account comes with a designated account number so you have more control over your finances.*** BANK FROM ANYWHERE Deposit checks, transfer funds, and pay bills from your mobile device. You can also deposit or withdraw funds at 37,000+ in-network MoneyPass locations nationwide.**** ADVANCED SECURITY Bank with confidence and peace of mind. Your Bluevine account is FDIC insured up to $3,000,000 per depositor through Coastal Community Bank, Member FDIC and our program banks. We protect your Bluevine account with industry-leading security protocols. For example, you can instantly lock your debit card if you lose or misplace it. For more information, visit https://www.bluevine.com/ccbx-checking-agreement/ BLUEVINE IN THE NEWS “No one that we know is building or has built a bank designed and built specifically for small businesses. And that is what we’re doing.” -Banking Dive LEGAL DISCLOSURES Bluevine is a financial technology company, not a bank. Banking Services provided by Coastal Community Bank, Member FDIC. FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance is available through pass-through insurance at Coastal Community Bank, Member FDIC, if certain conditions have been met. Bluevine accounts are FDIC insured up to $3,000,000 per depositor through Coastal Community Bank, Member FDIC and our program banks. The Bluevine Business Debit Mastercard® is issued by Coastal Community Bank, Member FDIC pursuant to a license from Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Bluevine Privacy Policy: https://www.bluevine.com/privacy-policy/ Coastal Community Bank Privacy Policy: https://www.coastalbank.com/privacy-notice.html *Premier and Plus plan customers automatically earn interest on their available balances. Standard plan customers will earn interest on their available balances if they meet an eligibility requirement as detailed in the Bluevine Business Checking Account Agreement, https://www.bluevine.com/ccbx-checking-agreement. Bluevine Plus and Standard customers will earn interest on total Bluevine Business Checking balances up to $250,000. No interest earned on balances over $250,000. Bluevine Premier customers will earn interest on total Bluevine Business Checking balances up to $3,000,000. No interest earned on balances over $3,000,000. Any interest accrued and payable for an account or sub-account will be paid to your main account. **No limit on the number of transactions. However, checking accounts are subject to the monthly deposit and withdrawal amount limits of the user agreement: https://www.bluevine.com/ccbx-checking-agreement/. ***Sub-accounts can only be opened on the desktop or mobile browser version of the Bluevine Dashboard experience. ****Bluevine charges a $2.50 fee for ATM transactions outside of the MoneyPass® network. Additional third-party ATM fees may vary by ATM operator.