Spruce - Mobile banking 4.23.0

Spruce is a mobile banking application that provides a range of financial tools to help you manage your Spruce Spending and Savings accounts, aiding you in getting your finances on the right track. Whether you are new to mobile banking or have experience with other applications, Spruce stands ready to assist when needed.

With your own Spruce accounts, you can benefit from financial peace of mind, along with:

• No sign-up fees
• No monthly fees
• No minimum balance requirements
• No credit check

Embrace the path to becoming a saver! You can now save without sacrificing your pleasures by setting a Saving Goal in Spruce and automating your savings with any desired amount. By setting aside as little as $1 per day, you can start saving without compromising life's simple joys.

Let Spruce take the task of categorizing your transactions off your hands, and utilize the Watchlist feature to monitor the categories that are most significant to you. The Watchlist not only aids in tracking spending but also enables you to establish monthly income goals for better monthly management.

QUICK START TIPS

1. Download the Spruce mobile banking app.
2. Create a highly secure password containing at least 8 characters.
3. Sign up for your Spruce Spending and Savings accounts.
4. Explore the navigation menu in Spruce:

• My Life: Provides an overview of your balances and recent transactions.
• Spending: Review debit and deposit transactions.
• Move Money: Transfer funds between accounts.
• Saving: Establish Saving Goals, activate Round Ups, and earn cash back at select retailers.
• Credit: Monitor your credit score and access information on improving your credit rating.

DISCLAIMERS

Spruce is a financial technology platform developed by H&R Block, which is not a bank. The Spruce℠ Spending and Savings Accounts are opened at Pathward, N.A., Member FDIC, with the issued debit card granted by Pathward, N.A., under license by Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Spruce Rewards are powered by Dosh; the cashback offers and amounts are subject to variation based on user, merchant location, and offer period. Please refer to the Spruce app for up-to-date offer availability. Cash back earned from eligible purchases will be credited to your Spruce Savings Account. Refer to the Spruce Rewards powered by Dosh Terms for detailed information.

The credit score provided is FICO® Score 8 based on Experian data. Lenders or insurers may utilize a different FICO Score or another type of credit score altogether. FICO® is a trademark of Fair Isaac Corporation; this service is distinct from your Spruce bank accounts and is offered by Pathward, N.A. Courtesy Coverage is solely applicable to purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your debit card. It is a discretionary courtesy, not an extension of credit and necessitates opting in along with $200 in qualifying deposits over the preceding 35-day period. Negative balances are capped at $20 and must be repaid within 30 days; refer to the Spending Account Agreement for more information. Early access depends on payment submission timing. Generally, funds become accessible upon receipt of payment instructions, potentially before the scheduled payment date. This requires $200 in direct deposits over the prior 35-day period excluding tax refunds.