Panda Pay vs Nine2Five

Panda Pay helps you track spending, monitor bills, and get a cash advance when you need one, all in one place. Eligible users can get a Cash Flex™ cash advance of up to $100,* with free standard ACH delivery or instant delivery for a fee. - No late fees - No interest - No credit check - No direct deposit required Sign up in minutes and explore your spending insights and Cash Flex eligibility. GET STARTED WITH PANDA PAY: 1. Create your account 2. Connect your bank securely through Plaid 3. Track your finances and, if eligible, get your Cash Flex™ cash advance It's that simple. No paperwork. CASH FLEX™ CASH ADVANCE — UP TO $100* Cash Flex provides eligible users with temporary cash flow support of $20 to $100. Choose your amount and repayment date from the options shown. Standard ACH delivery is free; instant delivery is available for a fee, shown before you accept. Delivery timing depends on your bank and the transfer method selected. One active Cash Flex at a time. Continued eligibility and available amount may depend on account history, activity, and other criteria. Example: If you accept $50 via Cash Flex with standard ACH delivery, the transfer fee is $0 and the total return amount is $50. YOUR MONEY AT A GLANCE Know exactly where every dollar is going — and what's coming next. - Spending broken down by category - Income vs. expense breakdowns - Recurring bills and subscription tracking - Balance trends so you can plan ahead REAL SUPPORT WHEN YOU NEED IT Reach our support team directly in the app or at support@pandapay.money. For quick answers, our AI chat assistant is available around the clock. We typically reply within 1 business day. SAFE AND SECURE Your information is locked down with the same encryption banks use. - Bank-grade TLS encryption - Credentials are never stored — processed securely through Plaid - Plaid connects with thousands of banking institutions across the US, including Chase, Bank of America, Wells Fargo, and more - Unlink your bank anytime directly in the app MEMBERSHIP Panda Pay charges a recurring membership fee to maintain your linked bank connection and power Cash Flex, spending insights, and other financial tools. Current pricing, billing frequency, and any applicable trial period are shown in the app before you are charged. The fee is auto-renewed until canceled. You can cancel anytime in the app under Account > Bank Account, or by emailing support@pandapay.money. To avoid being charged for the next billing cycle, cancel before your next scheduled charge date shown in the app. Questions? Reach us at support@pandapay.money or visit www.pandapay.money/support DISCLOSURES *Cash Flex™: Cash Flex provides eligible users with temporary cash flow support. Cash Flex is not a loan, line of credit, or any other form of credit. Panda Pay does not charge interest or late fees in connection with Cash Flex. Not all users will qualify. Eligibility and amount are determined based on account history, activity, and other criteria. Cash Flex amounts are up to $100. Not available in all states. Cash Flex delivery timing depends on your bank and the transfer method selected. One active Cash Flex at a time. Example: If you accept $100 via Cash Flex with standard ACH delivery, the transfer fee is $0 and the total return amount is $100. Cash Flex is not available to residents of California, Connecticut, Hawaii, Indiana, Kansas, Maryland, Minnesota, Missouri, Nevada, South Carolina, Utah, Wisconsin, and Washington, D.C. Panda Pay is not a bank. Panda Pay is a product of Radiant Union LLC, a Florida limited liability company. Privacy Policy: https://www.pandapay.money/privacy Terms & Conditions: https://www.pandapay.money/terms

Nine2Five offers a 7-day free trial. After the trial, a subscription is required to access all features: $2.99/month, $24.99/year, or $59.99 lifetime. Know exactly how much you've earned — down to the penny — while you work. Nine2Five is the pay clock calculator built for hourly workers, freelancers, and anyone paid by the hour. Clock in when your shift starts and watch your earnings tick up in real time. No more guessing, no more waiting for your paycheck to see if the hours add up. **LIVE EARNINGS TICKER** See your take-home pay grow second by second as you work. Set your hourly rate, configure your deductions, and Nine2Five handles the math automatically. **OVERTIME TRACKING** Set your OT threshold and multiplier. Nine2Five tracks your hours for the week and automatically switches to your overtime rate the moment you hit it — the app even turns amber so you know you're in OT. **PAYDAY COUNTDOWN** Always know how far away your next paycheck is. Nine2Five supports weekly, bi-weekly, semi-monthly, and monthly pay periods, with a customizable payday so the countdown is always accurate for your schedule. **BUDGET COVERAGE** Add your monthly bills and watch them get covered as you earn. Nine2Five shows exactly which expenses your paycheck has covered so far — rent, car payment, groceries and more — so you can see your money working in real time. **WORK HISTORY** Every session is logged automatically. Review your hours and earnings by day, week, or month. Add manual entries for days you forgot to clock in. **FUTURES CALCULATOR** See your projected yearly earnings based on your last 30 days. Set a savings goal and find out exactly what hourly rate you need to hit it. Whether you're working a 9-to-5, picking up shifts, or freelancing on the side — Nine2Five keeps your earnings visible, your budget covered, and your goals in sight. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/