First Bank Hampton NextGen vs SpendPath

Thanks to our app, kids and teens can now learn important money management skills by completing chores, earning money and using their mobile devices. Due to the lack of financial education in most schools, our app has just about everything any child (5 to 17 years old) could ever need to help build the important money skills they’ll need to be successful adults. From the palm of their hands they can make real-life money decisions with parents serving as a safety net. Teens and kids can earn, save, donate to charities† and spend. They can even use the funds to learn to invest* in real stocks. Hand-on experience is the best way for kids to learn, and with parents approving money transactions leaving the app, it’s could be safer than giving them actual money. Chores and allowance tracker: Kids can earn an allowance by doing chores based on age and schedule. There are hundreds of chore/allowance combinations available but a parent can also add their own. In addition, the app’s chores and allowance tracker helps them build important character traits like accountability, dependability, time management and teamwork. Enjoy our easy setup and real-time push notifications on chores and money transactions. Teach Easy Investing: Included in every family account! No upgrades needed! Teach your kids/teens how to invest from an early age and their potential can be limitless. Think college funds, first car, a home, and more. These valuable skills could help guide them through adulthood and create financial strength you can’t get with a bank alone. Learn to invest on our app and your assets are safe with our integrated investing platform, backed by Apex Clearing Corporation. Families can invest together, and within, just a few clicks make an investment for as little as $10 a transaction (and say goodbye to commissions). BusyPay†: Instead of wasting money on gift cards that could get lost, stolen or leave unused funds, use BusyPay and load money directly to an account. By sharing a BusyPay QR code, friends and family can add money to an account for birthdays, holidays, or working for a neighbor. Even use this exclusive feature to send money to others using our app. Being Charitable: Our app promotes a balance financial lifestyle and that includes being charitable. Donating is important for more reasons than the tax implications. Our app has more than 60 local and national charities built in to help make sharing easy. Safety First: We use the latest SSL encryption technology, and funds inside the app (child’s accounts) are FDIC Insured. The app and cards require individual PINs for use, and we strongly encourage all PINs be different. Parents receive alerts for any money transactions and card issues. Has all sensitive information stored by partners compliant with all Payment Card Industry Data Security Standards. This First Bank Hampton NextGen program is provided through BusyKid. The BusyKid Visa® Prepaid Card is issued by Pathward®, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Card can be used everywhere Visa debit cards are accepted. All cardholder funds are insured by the FDIC in accordance with the FDIC’s applicable terms and conditions. Cliq® is the exclusive and authorized Servicer of the BusyKid Visa Prepaid Card. † - These optional features are BusyKid products. *BusyKid's provision of access to securities products and brokerage services are offered by Apex Clearing Corporation. Apex Clearing Corporation is an SEC registered broker dealer, a member of FINRA and SIPC, and is licensed in 53 states and territories. FINRA BrokerCheck reports for Apex Clearing Corporation are available at: http://www.finra.org/brokercheck Investments in securities: No Bank Guarantee • May Lose Value. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Before investing, consider your investment objectives, charges and expenses.

SPS SpendPath is the modern, compliance-driven mobile app designed for K-12 districts and local government entities that need a smarter, safer way to manage procurement card activity, travel, and discretionary spend. Built by Strategic Payment Services, SpendPath brings intelligent controls, mobile-first workflows, and real-time visibility directly to your staff — ensuring every dollar is spent responsibly and every approval moves without friction. SpendPath eliminates the bottlenecks and risks that come with manual expense processes. Staff can capture receipts instantly, submit expenses on the go, and complete approvals in minutes. Finance teams gain immediate insight into spend across departments, programs, and cardholders, with policy-driven guardrails that prevent non-compliant purchases before they occur. Designed specifically for public-sector operations, SpendPath reflects travel policies, audit requirements, and the accountability standards expected of districts, counties, and municipalities. Every workflow is built to strengthen internal controls, reduce administrative burden, and support responsible stewardship of public funds. Key Features: • Mobile Receipt Capture Snap, upload, and attach receipts instantly — no more lost paperwork or end-of-month scrambling. • Smart Expense Submission Submit expenses directly from your device with automated categorization and policy-aligned workflows. • Mobile Approvals Review and approve transactions in seconds, keeping operations moving without delays or bottlenecks. • Real-Time Spend Visibility View card activity, expense status, and department-level spend in a clean, intuitive interface. • Policy-Driven Guardrails Built-in controls ensure purchases align with district or municipal policy before they happen. • Audit-Ready Transparency Every transaction includes a clear trail of receipts, approvals, and documentation for effortless audits. • Role-Based Permissions Ensure the right people have the right access, from cardholders to department heads to finance teams. • Integrated Travel Workflows Submit, approve, and track travel requests with pre-configured rules and automated routing. SpendPath empowers public-sector staff to work faster and more confidently, while giving leadership the transparency and control needed to protect public dollars. Whether you’re a cardholder, approver, bookkeeper, or administrator, SpendPath simplifies your workflow and strengthens your organization’s financial integrity. SPS SpendPath — Smart controls. Modern workflows. Total transparency.