TempoPay vs RileyAI

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/

Ask Riley — your AI-powered trading and investing companion. RileyAI turns the markets into a conversation. Ask Riley about any stock and get instant, plain-English analysis of price action, key levels, and potential setups. Connect your brokerage and Riley helps you understand and manage every trade. It's like having a sharp, tireless trading partner in your pocket — one you can actually talk to. REAL-TIME MARKET ANALYSIS Ask about any ticker and get a clear breakdown of what's happening and why — momentum, key levels, and context, in seconds. TALK TO RILEY (VOICE) Go hands-free. Have a natural voice conversation with Riley while you watch the charts. AUTOMATIC TRADE DETECTION Securely link your brokerage — Robinhood, Webull, Charles Schwab, Fidelity, E*TRADE, Interactive Brokers, or Tastytrade — and Riley recognizes your positions and helps you track them. LIVE TRADING SESSIONS Start a session on any symbol for continuous, context-aware commentary that updates as the market moves. PORTFOLIO TRACKING Your holdings, allocation, and performance in one clean dashboard — across every connected account. RILEY ACADEMY Sharpen your skills with built-in lessons and interactive exercises, from the basics to advanced strategy. JOURNAL & INSIGHTS Capture your decisions, review your history, and learn from every trade. SECURE BY DESIGN Brokerage connections are powered by SnapTrade with bank-level encryption. RileyAI is read-only — Riley never places trades and never sees your brokerage password. MEMBERSHIP RileyAI is free to download. Optional subscriptions unlock advanced analysis, unlimited sessions, voice mode, and more. Subscriptions auto-renew unless canceled at least 24 hours before the period ends; manage or cancel anytime in your account settings. IMPORTANT RileyAI is a market-analysis and education tool. It is not a broker-dealer or investment adviser and does not provide personalized financial, investment, or tax advice. Nothing in the app is a recommendation to buy or sell any security. Trading involves risk, including possible loss of principal. RileyAI offers auto-renewable monthly subscriptions: RileyAI Basic, Pro, and Elite. Each subscription is a 1-month term that unlocks the AI trading coach, real-time session feedback, and the features of the selected tier. Payment is charged to your Apple ID at purchase. Subscriptions auto-renew unless turned off at least 24 hours before the period ends; your account is charged for renewal within 24 hours of the period ending. Manage or cancel anytime in your App Store account settings. Privacy Policy: https://askrileyai.com/privacy.html Terms of Use (EULA): https://askrileyai.com/terms.html Support: info@askrileyai.com