HelloBasis vs toWealth Credit Card

Basis helps you pay for life’s unexpected expenses. Whenever you have a bill, use Basis to create a virtual card and pay for it in minutes. With Basis, there’s no credit check, and when used at partner providers, no interest is charged. Simple and quick to use All you need is a valid U.S. bank account that has been in place for 3 months. Just log in, connect your bank account, and see how much financing you’re eligible for on your virtual card. Just provide your card number to the provider to make payment. Easy, affordable repayments Once you use Basis to pay a bill, you can repay Basis through small repayments over 4 - 24 months. When used at our partner providers, there’s no interest charged. If you have any feedback or questions, please go to Basis > Contact Basis in your dashboard.

TOWEALTH MASTERCARD®: HOW IT WORKS - 100% in-App application - Good credit, bad credit, no credit - everyone is welcome to apply - Apply in Minutes for a Real-time Decision - If Approved: - Instant Cash Advance directly to your Bank Account in about 10 minutes* - Credit Card arrives in about a week - New Savings Account linked to your Card earning up to 3.5% APY* - Grow as you go with Qualifying On-time Payments: - Grow your credit limit by $100 per month* - Grow your Savings by $100 per month that ultimately secures your Card - Part of your payment is added to your Savings Account, and over time, your toWealth Mastercard becomes fully secured - Swipe your Card and earn 1% Cash Back on eligible purchases MORE AFFORDABLE THAN PAYDAY LOANS - If your Card Balance is $500, your Monthly Interest is about $15 (APR 35.99%). - For a $200 Cash Advance, your fee is the greater of $10 or 5% of advance. OTHER FEATURES - Mastercard® accepted worldwide - Request Instant Cash Advances 24/7, —anytime, anywhere - High-yield Savings Account (up to 3.5% APY) * - 1% cash back on all eligible purchases AWESOME MOBILE APP - 24/7 Access - Get Cash Advances, Make Payments - Track available credit, savings and card activity - Transfer Funds to your Savings Account - Secure Account Management *IMPORTANT DISCLOSURES - PARTNERSHIP AND LICENSING: toWealth is a fintech company, not a bank. toWealth Mastercard is issued by The Bank of Missouri, serviced by toWealth. The Savings account is provided by The Bank of Missouri, Member FDIC. - INSTANT TRANSFERS: Instant Transfers are optional, subject to qualifying bank accounts, and fees may apply. Instant Transfers to your bank account arrive in less than 10 minutes (most cases). An optional $3.75 fee applies for instant delivery; ACH transfers are $0. - SAVINGS AND APY: APY means Annual Percentage Yield, and the rate is variable and may change at any time. Once your savings equals your credit limit, every dollar of your on-time payment deposited into your savings account increases your credit limit dollar for dollar. Your monthly payment includes $100 (minimum) that is added to your Savings Account. - ACCOUNT FEES & COSTS: - APR: 35.99% - Annual Fee: $50 - Cash Advance Fee: $10 or 5% (whichever is greater), max $75 - Return Payment Fee: $25 | Late Fee: Up to $30 - toWealth Mastercard is subject to Credit Approval. About toWealth toWealth is a fintech company focused on building smarter, technology-driven financial products that help people build financial stability. Website: https://towealth.com Privacy Notice: https://towealth.com/privacy-notice Privacy Policy: https://towealth.com/privacy-policy Terms of Use: Questions? Email at support@toWealth.com