iA Mobile vs Kite

iA Mobile makes it easy for you focus on your goals by always having your information at your fingertips! Take advantage of your group insurance benefits and monitor your retirement savings and investments at iA Financial Group. With iA Mobile, you can: GROUP INSURANCE - Submit your claims securely - Send photos of your receipts, if required - Track your claims - Use your health spending account to reimburse the unpaid portion of a claim - Check the eligibility of healthcare providers - Check your prescription drug coverage - Estimate the amount you will be reimbursed for your prescription drugs - Find pharmacies that offer the prescription drug you are looking for and compare prices* - Use your smartphone as a group insurance card - Obtain proof of travel insurance** - Produce the list of expenses for your income tax return The functionalities in iA Mobile vary based on the plan chosen by your employer. ** WebRx users outside Quebec can view the price of the medication they are searching for in each pharmacy found. In Quebec, WebRx does not provide prices per pharmacy; instead it provides an average provincial price for each drug being searched. ** Obtain proof of travel insurance if your group insurance plan covers emergency medical care received outside of Canada GROUP SAVINGS AND RETIREMENT - See how much you have saved to date - Track your progress toward your retirement goal - See the return on your investments - Make voluntary contributions to your group RRSP, group TFSA or VRSP - See your transaction history - Make sure that your investment asset mix still matches your investor profile - Designate or change your beneficiaries INDIVIDUAL SAVINGS AND RETIREMENT - View your investment balance - See your personal rates of return for each contract - Consult your electronic documents You must be registered for My Client Space to take full advantage of iA Mobile. To learn more about iA Mobile, go to ia.ca/iamobile.

Kite budgets the way you actually get paid: from one paycheque to the next, not from the 1st to the 31st. Most budgeting apps think in calendar months, then ask for your bank login. Kite does neither. It asks when you get paid, what you owe, and keeps every figure on your phone. WHAT IT DOES • Pay periods, not months. Tell Kite your pay schedule — weekly, every two weeks, twice a month, or monthly — and every screen, every total, follows your own pay period, not the calendar's. • Your bills, by period. See what is due before your next cheque lands, tick bills off as you pay them, and catch anything overdue before it becomes a problem. • Four groups for your money. Fixed, Variable, Debt and Savings, each with its own share of your pay. Start at the common 50/30/10/10 split or set your own percentages. • A pace ring, at a glance. One look says whether your spending is ahead of or behind the days you have left in the period — no math required. • A Home Screen widget. What's left this period and your next bills, without opening the app. With the app lock on, it shows no amounts. • Log spending in seconds. Amount, name, group, done. No categories to hunt through, no receipts to photograph. • Debt with a balance that actually falls. Record a payment and watch what you owe go down, with a payoff estimate that shows the interest it will cost you if nothing changes. • Save up for irregular bills. Turn on saving for a yearly, six-monthly or quarterly bill, and Kite works out the share to set aside every pay period so the renewal never surprises you. • Reminders the day before a bill is due, at a time you choose. • An end-of-period recap: what was left over or short, variable spending against budget, bills paid, and debt paid down. WHO IT'S FOR Kite is for anyone paid on a schedule, not a salary they think about once a month: hourly workers, salaried employees paid biweekly, freelancers with irregular but predictable income, and couples who split bills and want the number in front of them to match the cheque that just landed. If you have ever run out of money three days before payday despite "having a budget," Kite is built around exactly that gap. WHY NOT JUST USE YOUR BANK'S APP A bank's budgeting tab still thinks in calendar months, still wants your login, and still shows you last month's spending after it's too late to change anything. Kite works forward from your next paycheque, not backward from your last statement, and it never needs your bank credentials to do it. PRIVACY • No account. Nothing to sign up for. • No bank connection. Nothing to link. • No analytics, no ads, no tracking. • Kite makes no network requests at all. Your budget never leaves the phone. • Optional unlock with Face ID, Touch ID or your passcode. • Backups are yours: save a file, keep it where you like, restore it when you change phones. Kite is not financial advice. It is a place to see your own numbers clearly.