Your payday can’t come soon enough! That’s where we come in. You can get a Klover cash advance up to $200 cash – even if your payday is 2 weeks away. And unlike banks, there are no late fees, credit checks or interest charges. Like, legit zero-zero.* HOW TO GET YOUR FIRST ADVANCE: Enter your name, email and phone to sign up in seconds Connect your bank so we know where to send your money Pocket your cash in minutes –– get up to $200 But we’re not just a one-trick pony. Here’s why over 2 million people have made Klover their budget bestie: SCORE EASY POINTS** Earn points for things like taking surveys and watching ads. You can then cash them out for a bigger advance or to enter our daily sweepstakes. WIN MONEY ON THE DAILY You’ve got a chance to win $100 every day. Plus, five people get to pocket $20. That’s over 2000 chances to win each year! BUDGET LIKE A BOSS Level up your money game with Klover+ innovative budgeting tools. Create spend goals, opt-in to track your credit score, and earn extra points when you reach savings targets. MONEY FROM THE FUTURE It’s not sci-fi, it’s borrowing from yourself. Ditch the banks with high fees or your friends with high horses. Get a cash advance through the Klover app with no credit checks, late fees or interest charges. Legit zero-zero. _________________________________________________ WHY WE’RE HERE We’re not your typical financial Institution. Our biggest goal is to see you financially free. So, we’ll never charge you annoyingly high fees. Instead, we can give you a swiss army knife of money tools, plus immediate cash advances by leveraging your most valuable asset -– your data. By transparently leveraging your approved data, we can provide low to no fees financial products and services to save you time and money. YOUR DATA IS SAFE WITH US Your data is always anonymized (we’ll never know who you are) and securely stored using 256-bit encryption (we’re talking military-grade, bank-level technology here). When you opt-in to our Truth in Data agreement, you’ll unlock all the Klover app perks –– like cash advances, budgeting tools, sweepstakes –– without any credit checks, late fees or interest charges. Nothing. Nada. Zilch. STAY IN TOUCH Got a question? Reach out to us at info@joinklover.com *LEGAL DISCLOSURE: Klover does not offer loans. We are NOT a payday loan, cash loan, or personal loan app, nor an app to borrow money. By validating your employment you can access money you’ve already earned whenever you want to. Klover’s advance service is free and doesn’t have interest. Our APR is 0%. Klover’s advance service does not require a minimum repayment time frame. Klover’s advance service does not require a maximum repayment time frame. For example, if you request an advance of $100 your future repayment is $100. Example 2: If you select a completely optional immediate delivery fee of $8.49 your future repayment would be $108.49. Klover’s advance service is not a contracted obligation to repay a loan. For more information please see Klover’s terms and conditions: https://www.klover.app/terms-and-conditions. **Points cannot be redeemed for cash, only in-app features Klover’s Privacy Policy: https://www.klover.app/privacy-policy Klover Holdings, Inc. 57 W Grand Ave Chicago, IL 60035

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