NFINIT vs USHG Digital Wallet

A mobile banking app that helps employees put themselves on the right track to achieving their financial goals now, all in an easy-to-use mobile banking app. By focusing on how customers interact with their bank online and building a streamlined system with the customer experience in mind, we let employees enjoy features like: Move your direct deposits (​​Works with your Payroll) Make Payday Anyday Fee-free digital banking Pay bills and shop online Virtual and Physical Card Text alerts to help you manage your balance (carrier fees may apply) Cash Access at ATMs Nationwide Use this card everywhere Debit Mastercard is accepted Load multiple deposits to one card Early Access to Federal Benefits (coming soon for Payroll) No check cashing fees 24/7 Cardholder Support Funds are FDIC Insured

USHG Digital Wallet, powered by Branch, is a digital bank account and debit card* that allows you to enjoy swift access and flexible ways to save, spend, and manage your money. USHG Digital Wallet Features: • Speedy digital payments by opting into daily access to your earnings** • Potential to unlock offers at a variety of participating merchants to accumulate cash-back rewards • Access to a flexible digital bank account* with no minimum balance, credit check, or overdraft fees Disclosures: *Banking services are provided by Evolve Bank & Trust, Member FDIC. USHG Digital Wallet, powered by Branch, is a Mastercard debit card and account issued by Evolve Bank & Trust pursuant to a license from Mastercard and may be used everywhere Mastercard debit cards are accepted. **Qualifying employees who opt into the USHG Digital Wallet program will receive 51% of their tip payouts automatically in their USHG Digital Wallet account as soon as they are available. Qualifying employees will be able to advance up to 51% of their earnings from shifts for which they are not eligible for tips, up to a maximum of $1,000 per pay period, through the On-Demand Pay feature in the USHG Digital Wallet. Eligibility for access to earnings before payday can be impacted by certain voluntary or involuntary payroll deductions. Employees are not eligible for early access to earnings if less than 51% of earnings are available for deposit after giving effect to applicable deductions. When opting into the USHG Digital Wallet program, employees agree to have certain tip and non-tip earnings disbursed through deposit in the USHG Digital Wallet.