CLAIR

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Clair is a banking app that provides individuals with early access to a portion of their earnings before payday. By opening a Clair Spending Account, which is held at Pathward® N.A, Member FDIC, users can enjoy on-demand pay with access to fee-free wage advances, an FDIC-insured* Spending and Savings account with no monthly fees, and a Clair Debit Mastercard® to conveniently spend their earnings.

Here are some standout features of Clair:

<ul>
 <li>Quick and easy access: Open a Clair Spending Account and easily take your first wage advance through the user-friendly Clair mobile app after setting up a repayment method.</li>
 <li>Freedom and control: You have the flexibility to determine the amount you wish to advance from your upcoming paycheck, up to a pre-approved limit set by Clair** on an individual basis.</li>
 <li>Comprehensive banking services: Gain access to a variety of essential banking services including fee-free withdrawals at over 40,000 AllPoint ATMs†, virtual and physical debit cards, compatibility with Apple Pay™ and Google Pay, savings reminders, and more!</li>
</ul>

To learn more about Clair and its offerings, visit getclair.com.

Please note that Clair is exclusively available to select businesses. Before getting started, make sure to check with your work app, time clock, or employer for an invite.

It's important to mention that Clair operates as a financial technology company and not as a bank. The Clair Spending Account is a demand deposit account established by Pathward, N.A., Member FDIC, while the Clair Debit Card is issued by Pathward, N.A., Member FDIC. The use of Mastercard® and the circles design is authorized under the trademark of Mastercard International Incorporated. Additionally, the savings account offered by Clair is established by Pathward, N.A., Member FDIC. Advances are provided by Pathward, N.A.

While wage advances come at no cost, certain fees may apply depending on the user's account usage. Additionally, users may incur standard data charges when using the Clair app.

* Please be aware that funds deposited into your account are FDIC insured, subject to applicable limitations and restrictions, once received by Pathward, N.A.

** The rate of your advance is determined by your individual circumstances and may be subject to change. Limits may also vary.

† With the Clair Debit Mastercard, users can make fee-free ATM withdrawals at U.S. ATMs within the Allpoint network. International ATM transactions or transactions outside of this network may incur fees. Pathward, N.A., Member FDIC, provides banking services related to Clair.

‡ The Clair Savings Account is established by Pathward, N.A., Member FDIC. Interest on the Savings Account is calculated based on the Daily Balance and paid monthly. The current interest rate pays 1.98% with an annual percentage yield (APY) of 2%. Please note that interest rates and APYs are subject to change. The provided APY was accurate as of 11/04/22. No minimum balance is required to open a Savings Account or earn the yield. However, a Spending Account is necessary to obtain and open a Savings Account, and you must be the primary accountholder of the Spending Account. It's important to note that transaction fees could diminish the interest earned on the Savings Account, as Savings Account funds are withdrawn through the Spending Account. Funds on deposit are FDIC-insured through Pathward, N.A., Member FDIC. For FDIC coverage purposes, all funds held on deposit by the primary accountholder at Pathward, N.A., will be aggregated up to the current coverage limit of $250,000.00.

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