TempoPay vs EvenPay

TempoPay is a healthcare payment benefit offered through employers and health plans. It gives you access to funds to pay for out-of-pocket healthcare expenses up front, then repay over time with 0% interest, no fees, and no credit checks. Using TempoPay never affects your credit score. The TempoPay app is available to employees and health plan members at organizations that offer TempoPay as a benefit. If your employer offers TempoPay, download the app to activate your account and start using your card. WHAT IS TEMPOPAY? TempoPay works like a revolving account, similar to a credit card, but always interest-free with no fees. When you enroll, you get immediate access to a set spending amount for healthcare expenses. Charges are broken into a repayment schedule you control. WHERE CAN I USE TEMPOPAY? Use the TempoPay Visa card for: • Doctor visits, specialists, and urgent care • Prescriptions and pharmacy purchases • Dental care and orthodontics • Vision care, eyeglasses, and contact lenses • Lab work, imaging, and diagnostics • Therapy and mental health care • Chiropractic and physical therapy • Medical supplies and equipment • Medical bills paid online or by phone Some employer programs use different spending categories. Check the app or contact support with questions about your card. HOW DO REPAYMENTS WORK WITH TEMPOPAY? After a charge settles, a repayment plan is created based on your preferences. You choose your repayment timing, up to 12 months, aligned to your payroll cycle. Repay through automatic post-tax payroll deductions or connect a personal bank account. You can see every charge, plan, and payment in the app. DOES TEMPOPAY AFFECT MY CREDIT? No. TempoPay never checks your credit and never reports to credit bureaus. There is no interest, no late fees, and no cost to employees for using TempoPay. CAN I USE TEMPOPAY WITH AN HSA OR FSA? Yes. TempoPay works alongside Health Savings Accounts and Flexible Spending Accounts. Pay with TempoPay now and reimburse yourself from your FSA once it is funded, or keep HSA contributions invested while spreading expenses over time. WHAT CAN I DO IN THE TEMPOPAY APP? • Activate and manage your TempoPay Visa card • Check your available balance and spending limit • View charges and repayment schedules • Adjust repayment timing • Connect a bank account for repayments • Contact TempoPay support WHO CAN USE TEMPOPAY? TempoPay is available through participating employers, health plans, and benefits programs. It is not available for individual signup. Ask your HR or benefits team whether TempoPay is part of your benefits package. ABOUT TEMPOPAY TempoPay collaborates with health plans, employers, and other industry partners to provide a smarter, more affordable way to manage rising healthcare costs through access to interest-free funds and flexible repayment options. With the TempoPay Visa® card, employees can confidently access care and take control of how and when they pay for it, reducing financial stress and avoiding interest-bearing debt. By making it easier to plan for and manage out-of-pocket expenses, TempoPay helps create the financial stability that supports happier, healthier lives and a more engaged, productive workforce. To learn more, visit https://tempopay.com/

EvenPay makes splitting bills effortless - whether you're traveling with friends, dining out, or sharing group expenses. HOW IT WORKS Simply enter the total amount, add participants, and EvenPay instantly calculates exactly how much each person owes. No more mental math or awkward money conversations. KEY FEATURES - Instant bill splitting - divide any expense in seconds - Custom splits - assign different amounts per person - Multiple currencies - perfect for international trips - Expense history - track all your shared expenses - Share results - easily send split summaries via message or email - No account required - works offline, completely private PERFECT FOR - Group trips and travel - Restaurant dining with friends - Shared household expenses - Parties and events - Any group purchase WHY EVENPAY? Simple, fast, and clean experience. EvenPay respects your privacy - no sign-up, no cloud sync, no data collection. Just pure bill-splitting convenience. Download EvenPay and make "who owes what" a thing of the past!