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Formerly Digit, Smart Savings

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We pride ourselves on providing quick, convenient credit to our customers, so we designed our app to make it just as quick and convenient to manage your line of credit. Get fast access to your account, schedule payments with just a few taps and request line of credit draws. If you have a line of credit, you can: • Request a draw • View your available credit • Make a payment • Review your payment details, including future and past payments • View your statements • Access CashNetUSA benefits like discount offers, coupons and free financial courses Take control of your account and download the CashNetUSA app today! When you're finished downloading, be sure to turn on auto updates to always have the newest version of the app. Note: This app only supports existing CashNetUSA customers with an active line of credit. If you are a payday or installment loan customer, please log in at www.cashnetusa.com to manage your account.

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Get up to a $250* cash advance with an AI money coach you can actually talk to. Cleo helps 5+ million users budget, save, build credit, or get a cash advance in those low-balance moments. AI MEETS MONEY Cleo turns stressful money life into a simple chat, where you can ask questions and learn about your finances (without being bored to death). Want to know how much you spent on takeout last month? Just ask Cleo… maybe this will be what finally gets you to stop overspending. GET UP TO A $250 CASH ADVANCE* Dump your overpriced overdraft and get a spot from Cleo instead. Cleo’s up to $250 cash advance* has: - No interest (APR) - No credit checks - No late fees - No direct deposit required SAVE WITHOUT STRESS Hide your money from yourself with mindless savings tools, like: auto save, round up, swear jar, and set & forget. BUDGET WITHOUT FEELING RESTRICTED Build a personalized budget (with room for iced coffee). Cleo uses Plaid to read your transaction history in a read-only mode. She can then show you all your accounts in one place, serve you spending breakdown, and share monthly bill trackers and reminders. BUILD CREDIT (WITHOUT A CREDIT CARD)** Glide your way to smoother approvals, lower interest rates, and higher credit limits with a credit score your parents can be proud of. Start building your credit with: - 0% APR - Cashback on everyday spends - Cash advance - Credit score coaching - $1 minimum deposit ACCESS YOUR PAYCHECK UP TO 2 DAYS EARLY*** Don’t wait until payday. Unlock your earnings early by setting up direct deposits. LEGAL STUFF *Eligibility requirements apply. Not all users will qualify. Advance amounts range from $20 to $250. Same-day transfers subject to express fees. Visit meetcleo.com/terms for more information. **Credit Builder Card is issued by WebBank, Member FDIC pursuant to a license from Visa USA Inc. Access to the Card is subject to approval. ***Cleo is not a bank. Direct deposit banking services provided by Thread Bank, Member FDIC. Early access to direct deposit funds not guaranteed, timing may vary. Cleo Plus is our subscription service, which offers eligible users cashback on your money, information on your credit score, and access to cash advances ("Cash Advance"). Advance amounts will vary based on eligibility. If you don’t want to subscribe, you can also apply for cash advance by contacting our customer service at team@meetcleo.com. To learn more about eligibility, repayment, and overall terms, please visit: meetcleo.com/terms The Cleo Credit Builder subscription service offers eligible users cashback on your money, information on your credit score, access to cash advances (”Cash Advance”), credit history and priority support. Advance amounts will vary based on eligibility. To learn more about eligibility, repayment, and overall terms, please visit: meetcleo.com/terms. Learn more about how we share and protect your data at meetcleo.com/page/privacy-policy

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Money lending apps are becoming something ordinary and understandable. You do not need to leave your home, or even be in the country - our money lending app will do everything for you and provide a comfortable loan. You can quickly fill out a questionnaire and borrow money in a matter of hours. Money borrowing can help out in difficult times: when you need to pay for your studies at the university, make repairs, go on vacation, or pay for your daughter's wedding. And with the development of the mobile application market, lending apps have become a new lifesaver. Our quick loans app uses double encryption, so you don't have to worry about data leakage. We will ensure the privacy and security of your data. Benefits of the money lending app There are certain reasons to choose our lending app. After all, there is no doubt that it is much better than banking institutions. Essentially, a loan application does not complicate the process of issuing a loan, but rather makes it pleasant and carefree. Here are the main benefits of our money lending app: - Modern design - Convenient app navigation - Clear presentation of information - Possibility to buy anything you need - Alternative to banks - No money is required to apply Even if you have little experience obtaining loans or a low credit score, our quick loans app will still suit you. Don't worry that the interest rate may be high. Our money lending app will teach you how to properly manage your finances, and the support service will solve any issue related to the loan. Material Disclosure Our quick loan app is one of the best money lending apps that allow you to borrow money. The good news is that you are not required to use a loan service, receive instant money or cash before payday through any offer. The minimum loan repayment period is 65 days; the maximum is 2 years. Furthermore, each requested cash advance charges the user an interest rate. Annual interest rate starts from 5.99% The maximum you can see is 35.99%. It varies depending on the type of loan. Because these types of borrow money are unsecured, borrowers with an excellent credit history are usually not given loans without a credit check. Annual Percentage Rate When a customer requests to borrow money through our lending app, an APR (Annual Percentage Rate) is charged. This is an annual interest rate that varies from case to case, as it depends on monthly income, credit score, employment, and other factors. It consists of a nominal interest rate and additional fees. These fees may be incurred when obtaining a loan and range from 16-26%. The penalty is charged only if the scheduled payment is late. You will find out the conditions when filling out a loan application. Representative example Let's say you want to take out a money borrowing for the amount that is $6,500. The term of the loan is 36 months, and the interest rate is 7.98%. The amount you owe monthly is $203.63. The amount of loan debt is 830.68 US dollars. In this case, you will only pay $7,330.68 for this cash advance. Please note that if you fail to make your loan payment or fail to make it on time, you will need to contact us to discuss a new repayment schedule.

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Manage your loan or credit card wherever you are! The Avant app makes it easy to manage your loan: • See your upcoming payments and view your payment history • Receive push notifications about your account • Manage your payments, including adjusting dates and paying down your loan And manage your Avant credit card: • Schedule or cancel payments • View transactions • Add or remove payment methods • Enroll in autopay and paperless statements What is Avant? Borrow better through Avant, an online lending platform that provides access to credit through a fast, simple experience. Managing a loan through Avant or an Avant credit card can be done entirely online. Apply for a loan or card in minutes on our website. Avant branded credit products are issued by WebBank, member FDIC. Note: You cannot apply for a loan or credit card through the Avant app. If you would like to apply, please visit www.avant.com on your computer or mobile device.

We pride ourselves on being a trusted, reliable, and flexible loan provider application that helps you borrow money, especially if you need it quickly and efficiently. Our loan application process is designed to be easy to access and hassle-free, so you can easily fund your financial goals. A key benefit is that our money loan app commits to fair and transparent lending practices. We do not charge any additional hidden fees or commissions. Our money loan app APRs are competitive compared to market competitors and listed clearly, so everyone can see them. Unlike other loan apps, we believe that everyone deserves a chance to borrow money for their goals. So we provide loans without paying much attention to your credit score. We do not have severe conditions and do not require a credit check, so even without any credit history, individuals can borrow money. This way, you can even improve your score over time. Everyone like our user-friendly design, which is pleasing and easy to navigate. We have created an intuitive user interface that makes all money loan app procedures progress smoothly. You can even monitor the progress of your application in real-time. What's better is that the interface is perfect for your device. With our money loan app, you can borrow money from the comfort of your home. Overall, our loan application provides financial services to many people, no matter their credit history. We provide favorable rates with transparent lending conditions. Our money loan app has attractive yet simple designs, allowing for a user-friendly experience that will allow you to get a loan with ease. If you need to borrow money, our applications provide loans for everyone. Material Disclosure One thing we understand well is that financial emergencies can happen at any given time. At such a moment, you need a money loan app like ours that will aid you financially. We provide favorable terms which can further be tailored to meet your specific needs. The repayment period can range anywhere from 65 days to two years. You can select a plan that works best for your budget and overall financial situation. In this money loan app, you can easily see all APRs, which typically run from 5.99% to 36 %. Note that your interest rate will depend on a variety of factors, like the amount of cash, the repayment period, and the purpose of the loan. Additionally, your income and current financial situation may also play a role. You can easily access and see the APRs and lending periods in our application. We believe that providing our customers with a unique, personalized financial aid experience is a must. We tailored our application to provide the best loan solutions for your financial needs. You can always trust us to provide you with the best, most transparent, and most flexible loan conditions on the market. Representative Example To give you an example of how much a loan can cost you, we have prepared a fine illustration. Note that all numbers define typical loan calculations and are not related to your actual situation. Let's say an individual wants to borrow money about $2000 to fund their vacation. The loan will be with a term of six months. The standard APR will be set at 8% of the whole sum, and it will be spread over the installments. With these details, we can say that loans like that will cost you a total of $2,046.90. The money will be spread in six installments of $341.15, with a total interest for the period of about $46.90.

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