toWealth Credit Card vs Patch Systems

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

Patch Systems is for people who work at businesses that use Patch Systems. Your employer turns it on, and it costs you nothing to have. Reach pay you have already earned You worked the hours. You should not have to wait until Friday to reach the money. Take what you have earned so far this pay period, up to half of it, whenever you need it. Standard transfers cost nothing. Instant transfers cost $3.99. No interest, no credit check, and nothing comes out of your next check beyond what you took. Every shift adds to it. Work an hour and a little more is ready. A loan that is not a payday loan Between 1,000 and 5,000 dollars at 19.99 percent fixed APR, paid back over twelve months straight out of your check. No credit check. You need twelve months with your employer to qualify, and it is not available in every state. The Patch Card A payroll Mastercard that holds your pay and your transfers in one place. No monthly fees and no minimum balance. Use it anywhere Debit Mastercard is accepted, or activate a virtual card for buying online. One app Your earned pay, your loan and your card in the same place. Set up direct deposit, see what you have earned this period, and move money without asking anyone. ---- Rates, terms, fees and availability vary by state, by employer and by your own qualifications. Workplace loans are originated by Sunrise Banks, N.A., Member FDIC, and are not available in all states. The Patch Mastercard is issued by Pathward, N.A., Member FDIC, pursuant to a license by Mastercard International Incorporated.