Get your federal tax refund up to 6 days early when you use the Spruce mobile banking app. Spruce offers financial tools to manage your Spruce Spending and Savings accounts and get your finances on the right track. Whether Spruce is your first, or fifth mobile banking app, Spruce can be there when you need it. With your very own Spruce accounts, you can enjoy financial peace of mind, plus: No sign-up fees No monthly fees No minimum balance requirements No credit check Become a saver! You don’t have to sacrifice what you love to save—set a Saving Goal in Spruce and automate your savings with however much you want. By setting aside as little as $1 a day, you can be a saver without eliminating life’s simple pleasures. Sit back and let Spruce categorize your transactions for you, then use the Watchlist feature to keep an eye on the categories that matter most. Watchlist not only helps you keep track of spending but also allows you to set monthly income goals to help you stay ahead each month. QUICK START TIPS 1. Download the Spruce mobile banking app. 2. Create a super secure password with at least 8 characters. 3. Sign up for your Spruce Spending and Savings accounts. 4. Explore the Spruce navigation menu: ---My Life. See a snapshot of your balances and recent transactions. ---Spending. Review your debit and deposit transactions. ---Move Money. Move money between accounts. ---Saving. Create Saving Goals, turn on Round Ups, and get cash back at select retailers. ---Credit. Check your credit score and learn more about improving your credit. DISCLAIMERS Data rates may apply. Spruce is a financial technology platform built by H&amp;R Block, which is not a bank. Spruce℠ Spending and Savings Accounts are established at, and the Spruce debit card is issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. # Spruce Rewards are powered by Dosh. Cash back offers and amounts may vary by user, merchant location and offer period. Check the Spruce app for offer availability. Cash back earned by qualifying purchases will be deposited in your Spruce Savings Account. See Spruce Rewards powered by Dosh Terms for details. ^ Spruce℠ ± Credit score is FICO® Score 8 based on Experian data. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. FICO® is a trademark of Fair Isaac Corporation. This is a separate service from your Spruce bank accounts, provided by Pathward, N.A. ~ Courtesy Coverage only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your debit card. It is a discretionary courtesy, not an extension of credit. Requires opt in and $200 in qualifying deposits over prior 35-day period. Negative balances are limited to $20 and must be repaid within 30 days. See Spending Account Agreement for details. ≠ Early access depends on when payment is submitted. Funds are generally made available when payment instruction is received, which may be earlier than scheduled payment date. Requires $200 in direct deposits over prior 35-day period, not including tax refunds.

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