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Instant Financial provides you with free daily pay = true financial wellness. Just download our Instant App, work a shift, and claim your

pay – everyday.

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GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. LOG IN | INSTANT FINANCIAL : INSTANT FINANCIALFREE DAILY PAYFINANCIAL WELLNESSRESOURCESSCHEDULE A DEMOCONTACT USEMPLOYER SIGN IN GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021.

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EARNED WAGE ACCESS

In recent years, increasing numbers of workers have joined companies such as Uber and Lyft to get paid instantly without needing to wait for a paycheck. That’s why, we are changing the outdated pay cycle. Instant Financial is the leading Earned Wage Access platform that gives employees free access to their pay immediately after each shift. LOG IN | INSTANT FINANCIAL : INSTANT FINANCIALFREE DAILY PAYFINANCIAL WELLNESSRESOURCESSCHEDULE A DEMOCONTACT USEMPLOYER SIGN IN GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. INTRO TO INSTANT TIPS Intro to Instant Tips. Instant Tips allows you to pay your employees their tips electronically—securely and in real-time. It’s the easiest and fastest way to pay your tips at the end of each day. This one-pager gives you an overview of the Instant Tips product, including how it works, the key benefits to your business and why our Customers

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In recent years, increasing numbers of workers have joined companies such as Uber and Lyft to get paid instantly without needing to wait for a paycheck. That’s why, we are changing the outdated pay cycle. Instant Financial is the leading Earned Wage Access platform that gives employees free access to their pay immediately after each shift. LOG IN | INSTANT FINANCIAL : INSTANT FINANCIALFREE DAILY PAYFINANCIAL WELLNESSRESOURCESSCHEDULE A DEMOCONTACT USEMPLOYER SIGN IN GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. INTRO TO INSTANT TIPS Intro to Instant Tips. Instant Tips allows you to pay your employees their tips electronically—securely and in real-time. It’s the easiest and fastest way to pay your tips at the end of each day. This one-pager gives you an overview of the Instant Tips product, including how it works, the key benefits to your business and why our Customers

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EARNED WAGE ACCESS

In recent years, increasing numbers of workers have joined companies such as Uber and Lyft to get paid instantly without needing to wait for a paycheck. That’s why, we are changing the outdated pay cycle. Instant Financial is the leading Earned Wage Access platform that gives employees free access to their pay immediately after each shift. LOG IN | INSTANT FINANCIAL : INSTANT FINANCIALFREE DAILY PAYFINANCIAL WELLNESSRESOURCESSCHEDULE A DEMOCONTACT USEMPLOYER SIGN IN GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. INTRO TO INSTANT TIPS Intro to Instant Tips. Instant Tips allows you to pay your employees their tips electronically—securely and in real-time. It’s the easiest and fastest way to pay your tips at the end of each day. This one-pager gives you an overview of the Instant Tips product, including how it works, the key benefits to your business and why our Customers

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EARNED WAGE ACCESS

In recent years, increasing numbers of workers have joined companies such as Uber and Lyft to get paid instantly without needing to wait for a paycheck. That’s why, we are changing the outdated pay cycle. Instant Financial is the leading Earned Wage Access platform that gives employees free access to their pay immediately after each shift. LOG IN | INSTANT FINANCIAL : INSTANT FINANCIALFREE DAILY PAYFINANCIAL WELLNESSRESOURCESSCHEDULE A DEMOCONTACT USEMPLOYER SIGN IN GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. INTRO TO INSTANT TIPS Intro to Instant Tips. Instant Tips allows you to pay your employees their tips electronically—securely and in real-time. It’s the easiest and fastest way to pay your tips at the end of each day. This one-pager gives you an overview of the Instant Tips product, including how it works, the key benefits to your business and why our Customers

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GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. REAL-TIME TRANSFERS CONSUMER INFO GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. INSTANT FINANCIAL BLOG GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. SEE HOW INSTANT FINANCIAL WORKS : INSTANT FINANCIAL GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. CAREERS | INSTANT FINANCIAL : INSTANT FINANCIAL GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. CARDHOLDER AGREEMENT GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021.

TESTIMONIALS

Karen Mack, HR DirectorSundance, Inc./Old West Properties, LLC. “ We measured our turnover pre and post Instant Pay pilot and found stores on Instant had a 6% reduction in turnover and stores not on Instant went up 8%. That is a 14% swing in a few short months. ”. ON-DEMAND PAY PLATFORM GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. CA CARDHOLDER AGREEMENT GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. 5 WAY TO RETAIN YOUR YOUNG HOURLY WORKERS 1. Keep them engaged and motivated. Many young workers have an entrepreneurial spirit. Instead of worrying about them running off to start their own business, tap into their ambition. An easy way is to welcome your employees’ suggestions and give

EARNED WAGE ACCESS

In recent years, increasing numbers of workers have joined companies such as Uber and Lyft to get paid instantly without needing to wait for a paycheck. That’s why, we are changing the outdated pay cycle. Instant Financial is the leading Earned Wage Access platform that gives employees free access to their pay immediately after each shift. LOG IN | INSTANT FINANCIAL : INSTANT FINANCIALFREE DAILY PAYFINANCIAL WELLNESSRESOURCESSCHEDULE A DEMOCONTACT USEMPLOYER SIGN IN GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. INTRO TO INSTANT TIPS Intro to Instant Tips. Instant Tips allows you to pay your employees their tips electronically—securely and in real-time. It’s the easiest and fastest way to pay your tips at the end of each day. This one-pager gives you an overview of the Instant Tips product, including how it works, the key benefits to your business and why our Customers

ON-DEMAND PAY

GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021.

FREE DAILY PAY

GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021.

INSTANT FINANCIAL

Instant Financial

7 THINGS YOU NEED TO KNOW ABOUT USING YOUR INSTANT CARD Let’s answer any questions you might have about your card. Two things you should know right away: we never charge you to use your card and your earnings are immediately accessible after they’re loaded onto your Instant account. Your earned money should always be in your control—without fees and without delay. INSTANT SUPPORT CENTER GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. EMPLOYEE BENEFITS THAT DON'T COST YOU ANYTHING GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. HOW TO DEFINE YOUR COMPANY CULTURE AND HIRE THE RIGHT We’re constantly told how important workplace culture is and hiring for culture fit is a critical way of maintaining that. Culture, informally, is the implicit personality of your workplace—made up of the shared values, beliefs and behaviors of the people who work there.

EARNED WAGE ACCESS

In recent years, increasing numbers of workers have joined companies such as Uber and Lyft to get paid instantly without needing to wait for a paycheck. That’s why, we are changing the outdated pay cycle. Instant Financial is the leading Earned Wage Access platform that gives employees free access to their pay immediately after each shift. LOG IN | INSTANT FINANCIAL : INSTANT FINANCIALFREE DAILY PAYFINANCIAL WELLNESSRESOURCESSCHEDULE A DEMOCONTACT USEMPLOYER SIGN IN GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. INTRO TO INSTANT TIPS Intro to Instant Tips. Instant Tips allows you to pay your employees their tips electronically—securely and in real-time. It’s the easiest and fastest way to pay your tips at the end of each day. This one-pager gives you an overview of the Instant Tips product, including how it works, the key benefits to your business and why our Customers

ON-DEMAND PAY

GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021.

FREE DAILY PAY

GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021.

INSTANT FINANCIAL

Instant Financial

7 THINGS YOU NEED TO KNOW ABOUT USING YOUR INSTANT CARD Let’s answer any questions you might have about your card. Two things you should know right away: we never charge you to use your card and your earnings are immediately accessible after they’re loaded onto your Instant account. Your earned money should always be in your control—without fees and without delay. INSTANT SUPPORT CENTER GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. EMPLOYEE BENEFITS THAT DON'T COST YOU ANYTHING GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. HOW TO DEFINE YOUR COMPANY CULTURE AND HIRE THE RIGHT We’re constantly told how important workplace culture is and hiring for culture fit is a critical way of maintaining that. Culture, informally, is the implicit personality of your workplace—made up of the shared values, beliefs and behaviors of the people who work there.

ON-DEMAND PAY

GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. 7 THINGS YOU NEED TO KNOW ABOUT USING YOUR INSTANT CARD Let’s answer any questions you might have about your card. Two things you should know right away: we never charge you to use your card and your earnings are immediately accessible after they’re loaded onto your Instant account. Your earned money should always be in your control—without fees and without delay. REAL-TIME TRANSFERS CONSUMER INFO GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. EMPLOYEE BENEFITS THAT DON'T COST YOU ANYTHING Wellness Perks . The American Institute for Stress found that workplace stress is among the biggest health challenges in the U.S. Wellness perks like a gym membership discount or monthly wellness challenges for prizes are fun and easy ways to boost morale and promote healthy living. An added bonus: healthier employees take less sick days, which helps your company’s bottom line. SEE HOW INSTANT FINANCIAL WORKS : INSTANT FINANCIAL GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. CONTACT | INSTANT HELP : INSTANT FINANCIAL Contact us today through the online form, chat within the Instant Financial app, or phone number on the back of your card.

TERMS & CONDITIONS

The governing law is: The courts having exclusive jurisdiction are: The United States of America. Instant Financial, Inc. 2500 Northwinds Parkway, Suite 275, Alpharetta, GA 30009, attn: VP Sales, with a copy to attn: General Counsel. Georgia and controlling United States federal law. Atlanta, Georgia, U.S.A. CA CARDHOLDER AGREEMENT GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. 5 WAY TO RETAIN YOUR YOUNG HOURLY WORKERS 1. Keep them engaged and motivated. Many young workers have an entrepreneurial spirit. Instead of worrying about them running off to start their own business, tap into their ambition. An easy way is to welcome your employees’ suggestions and give

INSTANT FINANCIAL

Senior Full-Stack Developer. Montreal, QC. View

EARNED WAGE ACCESS

In recent years, increasing numbers of workers have joined companies such as Uber and Lyft to get paid instantly without needing to wait for a paycheck. That’s why, we are changing the outdated pay cycle. Instant Financial is the leading Earned Wage Access platform that gives employees free access to their pay immediately after each shift. LOG IN | INSTANT FINANCIAL : INSTANT FINANCIALFREE DAILY PAYFINANCIAL WELLNESSRESOURCESSCHEDULE A DEMOCONTACT USEMPLOYER SIGN IN GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. INTRO TO INSTANT TIPS Intro to Instant Tips. Instant Tips allows you to pay your employees their tips electronically—securely and in real-time. It’s the easiest and fastest way to pay your tips at the end of each day. This one-pager gives you an overview of the Instant Tips product, including how it works, the key benefits to your business and why our Customers

ON-DEMAND PAY

GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021.

FREE DAILY PAY

GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021.

INSTANT FINANCIAL

Instant Financial

7 THINGS YOU NEED TO KNOW ABOUT USING YOUR INSTANT CARD Let’s answer any questions you might have about your card. Two things you should know right away: we never charge you to use your card and your earnings are immediately accessible after they’re loaded onto your Instant account. Your earned money should always be in your control—without fees and without delay. INSTANT SUPPORT CENTER GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. EMPLOYEE BENEFITS THAT DON'T COST YOU ANYTHING GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. HOW TO DEFINE YOUR COMPANY CULTURE AND HIRE THE RIGHT We’re constantly told how important workplace culture is and hiring for culture fit is a critical way of maintaining that. Culture, informally, is the implicit personality of your workplace—made up of the shared values, beliefs and behaviors of the people who work there.

EARNED WAGE ACCESS

In recent years, increasing numbers of workers have joined companies such as Uber and Lyft to get paid instantly without needing to wait for a paycheck. That’s why, we are changing the outdated pay cycle. Instant Financial is the leading Earned Wage Access platform that gives employees free access to their pay immediately after each shift. LOG IN | INSTANT FINANCIAL : INSTANT FINANCIALFREE DAILY PAYFINANCIAL WELLNESSRESOURCESSCHEDULE A DEMOCONTACT USEMPLOYER SIGN IN GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. INTRO TO INSTANT TIPS Intro to Instant Tips. Instant Tips allows you to pay your employees their tips electronically—securely and in real-time. It’s the easiest and fastest way to pay your tips at the end of each day. This one-pager gives you an overview of the Instant Tips product, including how it works, the key benefits to your business and why our Customers

ON-DEMAND PAY

GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021.

FREE DAILY PAY

GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021.

INSTANT FINANCIAL

Instant Financial

7 THINGS YOU NEED TO KNOW ABOUT USING YOUR INSTANT CARD Let’s answer any questions you might have about your card. Two things you should know right away: we never charge you to use your card and your earnings are immediately accessible after they’re loaded onto your Instant account. Your earned money should always be in your control—without fees and without delay. INSTANT SUPPORT CENTER GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. EMPLOYEE BENEFITS THAT DON'T COST YOU ANYTHING GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. HOW TO DEFINE YOUR COMPANY CULTURE AND HIRE THE RIGHT We’re constantly told how important workplace culture is and hiring for culture fit is a critical way of maintaining that. Culture, informally, is the implicit personality of your workplace—made up of the shared values, beliefs and behaviors of the people who work there.

ON-DEMAND PAY

GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. 7 THINGS YOU NEED TO KNOW ABOUT USING YOUR INSTANT CARD Let’s answer any questions you might have about your card. Two things you should know right away: we never charge you to use your card and your earnings are immediately accessible after they’re loaded onto your Instant account. Your earned money should always be in your control—without fees and without delay. REAL-TIME TRANSFERS CONSUMER INFO GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. EMPLOYEE BENEFITS THAT DON'T COST YOU ANYTHING Wellness Perks . The American Institute for Stress found that workplace stress is among the biggest health challenges in the U.S. Wellness perks like a gym membership discount or monthly wellness challenges for prizes are fun and easy ways to boost morale and promote healthy living. An added bonus: healthier employees take less sick days, which helps your company’s bottom line. SEE HOW INSTANT FINANCIAL WORKS : INSTANT FINANCIAL GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. CONTACT | INSTANT HELP : INSTANT FINANCIAL Contact us today through the online form, chat within the Instant Financial app, or phone number on the back of your card.

TERMS & CONDITIONS

The governing law is: The courts having exclusive jurisdiction are: The United States of America. Instant Financial, Inc. 2500 Northwinds Parkway, Suite 275, Alpharetta, GA 30009, attn: VP Sales, with a copy to attn: General Counsel. Georgia and controlling United States federal law. Atlanta, Georgia, U.S.A. CA CARDHOLDER AGREEMENT GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. 5 WAY TO RETAIN YOUR YOUNG HOURLY WORKERS 1. Keep them engaged and motivated. Many young workers have an entrepreneurial spirit. Instead of worrying about them running off to start their own business, tap into their ambition. An easy way is to welcome your employees’ suggestions and give

INSTANT FINANCIAL

Senior Full-Stack Developer. Montreal, QC. View

EARNED WAGE ACCESS

GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. LOG IN | INSTANT FINANCIAL : INSTANT FINANCIALFREE DAILY PAYFINANCIAL WELLNESSRESOURCESSCHEDULE A DEMOCONTACT USEMPLOYER SIGN IN GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. INTRO TO INSTANT TIPS GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021.

ON-DEMAND PAY

GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021.

FREE DAILY PAY

GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021.

INSTANT FINANCIAL

Instant Financial

7 THINGS YOU NEED TO KNOW ABOUT USING YOUR INSTANT CARD Let’s answer any questions you might have about your card. Two things you should know right away: we never charge you to use your card and your earnings are immediately accessible after they’re loaded onto your Instant account. Your earned money should always be in your control—without fees and without delay. INSTANT SUPPORT CENTER GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. EMPLOYEE BENEFITS THAT DON'T COST YOU ANYTHING GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. HOW TO DEFINE YOUR COMPANY CULTURE AND HIRE THE RIGHT We’re constantly told how important workplace culture is and hiring for culture fit is a critical way of maintaining that. Culture, informally, is the implicit personality of your workplace—made up of the shared values, beliefs and behaviors of the people who work there.

EARNED WAGE ACCESS

In recent years, increasing numbers of workers have joined companies such as Uber and Lyft to get paid instantly without needing to wait for a paycheck. That’s why, we are changing the outdated pay cycle. Instant Financial is the leading Earned Wage Access platform that gives employees free access to their pay immediately after each shift. LOG IN | INSTANT FINANCIAL : INSTANT FINANCIALFREE DAILY PAYFINANCIAL WELLNESSRESOURCESSCHEDULE A DEMOCONTACT USEMPLOYER SIGN IN GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. INTRO TO INSTANT TIPS Intro to Instant Tips. Instant Tips allows you to pay your employees their tips electronically—securely and in real-time. It’s the easiest and fastest way to pay your tips at the end of each day. This one-pager gives you an overview of the Instant Tips product, including how it works, the key benefits to your business and why our Customers

ON-DEMAND PAY

GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021.

FREE DAILY PAY

GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021.

INSTANT FINANCIAL

Instant Financial

7 THINGS YOU NEED TO KNOW ABOUT USING YOUR INSTANT CARD Let’s answer any questions you might have about your card. Two things you should know right away: we never charge you to use your card and your earnings are immediately accessible after they’re loaded onto your Instant account. Your earned money should always be in your control—without fees and without delay. INSTANT SUPPORT CENTER GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. EMPLOYEE BENEFITS THAT DON'T COST YOU ANYTHING GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. HOW TO DEFINE YOUR COMPANY CULTURE AND HIRE THE RIGHT We’re constantly told how important workplace culture is and hiring for culture fit is a critical way of maintaining that. Culture, informally, is the implicit personality of your workplace—made up of the shared values, beliefs and behaviors of the people who work there.

ON-DEMAND PAY

GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. REAL-TIME TRANSFERS CONSUMER INFO GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. 7 THINGS YOU NEED TO KNOW ABOUT USING YOUR INSTANT CARD Let’s answer any questions you might have about your card. Two things you should know right away: we never charge you to use your card and your earnings are immediately accessible after they’re loaded onto your Instant account. Your earned money should always be in your control—without fees and without delay. INSTANT FINANCIAL BLOG GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. SEE HOW INSTANT FINANCIAL WORKS : INSTANT FINANCIAL GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. CONTACT | INSTANT HELP : INSTANT FINANCIAL Contact us today through the online form, chat within the Instant Financial app, or phone number on the back of your card. CA CARDHOLDER AGREEMENT GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021.

TERMS & CONDITIONS

View the terms and conditions of Instant Financial. 12.2. Manner of Giving Notice. Except as otherwise specified in this Agreement, all notices related to this Agreement will be in writing and will be effective upon (a) personal delivery, (b) the second business day after mailing, or (c), except for notices of termination or an indemnifiable claim (“Legal Notices”), which shall clearly be

INSTANT FINANCIAL

Senior Full-Stack Developer. Montreal, QC. View 5 WAY TO RETAIN YOUR YOUNG HOURLY WORKERS GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. GooGhywoiu9839t543j0s7543uw1 - pls add ryan.ashton@instant.co to GA account UA-72850590-1 with ‘Admin’ permissions - date 05-26-2021. Earned Wage Access | Instant Pay | Employee Benefit : Instant

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TRUE FINANCIAL WELLNESS When you put your employees in control of their financial well-being, you'll boost job applicants and cut turnover.

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WHY INSTANT

THE ON-DEMAND PAY SOLUTION TO SUCCEED IN TODAY'S LABOR MARKET The rapid growth of the gig economy has disrupted the traditional labor market. In recent years, increasing numbers of workers have joined companies such as Uber and Lyft to get paid instantly without needing to wait for a paycheck. That’s why, we are changing the

outdated pay cycle.

Instant Financial is the leading Earned Wage Access platform that gives employees free access to their pay immediately after each shift. With Instant, you help your workforce kick the stress of daily finances so they can focus on the job at hand.

*

INCREASE JOB APPLICANTS Stand out in the job market by offering jobs that pay daily.

*

IMPROVE EMPLOYEE RETENTION Show your workforce that you care by offering employee benefit that promotes financial wellness.

*

LOWER EMPLOYEE ABSENTEEISM Boost motivation and engagement by giving your employees financial

security.

HOW IT WORKS

INSTANT GIVES EMPLOYEES DAILY ACCESS TO THEIR EARNED PAY WITHOUT FEES Employees get access to their pay with the Instant app after each shift. They can use their Instant card to make purchases, get cash, or transfer funds to their bank account.

YOUR EMPLOYEES CAN

* Get paid after every shift with our industry-leading

mobile app

* Pay for items using their Instant card where Visa® is

accepted

* Pay bills

* Access over 33,000 no-fee ATMs nationwide * Transfer funds free of charge directly to their bank

accounts

INSTANT PAY AT A GLANCE TRUSTED BY EMPLOYEES FROM AMERICA'S MOST LOVED BRANDS

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TESTIMONIALS

HEAR IT FROM OUR CUSTOMERS “We measured our turnover pre and post Instant Pay pilot and found stores on Instant had a 6% reduction in turnover and stores not on Instant went up 8%. That is a 14% swing in a few short months.”

> AARON HUMPHREY

> CFO

> Sundance, Inc./Old West Properties “Instant made it super easy to implement. They helped us with training and documentation. It could literally be implemented overnight.”Argo Contact CentersMark Veyette, CTO “Instant just makes sense. We get an edge vs. slower moving companies.”Phase Three Star – Hardee'sJack Kemp, CEO “Instant has seriously helped recruitment, it's a great selling point when we're bringing new employees on.”Swift StrawBrent Hall,

CFO

“Instant made it super easy to implement. They helped us with training and documentation. It could literally be implemented overnight.”Argo Contact CentersMark Veyette, CTO “Instant just makes sense. We get an edge vs. slower moving companies.”Phase Three Star – Hardee'sJack Kemp, CEO “Instant has seriously helped recruitment, it's a great selling point when we're bringing new employees on.”Swift StrawBrent Hall,

CFO

“Instant made it super easy to implement. They helped us with training and documentation. It could literally be implemented overnight.”Argo Contact CentersMark Veyette, CTO

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FIND OUT HOW INSTANT CAN IMPROVE YOUR BUSINESS See first-hand how Instant can provide tangible results for your business with a free demo.

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Copyright © Instant 2020 The Instant Financial Visa® Prepaid Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and can be used wherever Visa® Debit cards are accepted. Terms and conditions apply. See Cardholder Agreement for details. The Instant Financial Prepaid MasterCard® is issued by Peoples Trust Company under license from MasterCard International Incorporated. “MasterCard” and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.