Cospender is an indispensable and easiest appto manage group expenses and bill split and IOUs with your partner,friends, roommates or family.Create groups of expenses: Home, Holidays, trips, vacations,citytrips, ski, holidays, meals, gifts...Invite a member to join and share your group expenses.Cospender split bill and calculates the debt of each member tosettle up with your friend.Features:- Automatic sync (synchronization)- Debt calculation of each member to settle up- Offline expense creation- Recurring expenses- Pie chart of expenses- Android Wear compatibleCospender is the most advanced tools to: split bill, share eventexpenses, settle debts, who owes who, Split Money, split the bill,create a tricount or splitwise and calculate what everyone needslike a tricount, splitwise, iou.Like traveling, a city trip, a road trip, a hike, a tricount,Cospender is for you.

Funding Societies | Modalku is the largest P2P Lending platforminSoutheast Asia. Investors including individuals andinstitutionsjointly invest in financing to SMEs and earn returns inthe form ofinterests. Get an opportunity to invest in creditworthylocal SMEsas a means to diversify your investment portfolio. Nomin. balance.Low min. investment amount. Short term & periodicrepayments.Backed by SGInnovate, Sequoia India, Softbank VenturesAsia Corpand many others, Funding Societies has facilitated overS$1.83Bworth of business loans crowdfunded. Since launching in2015, wehave received multiple awards such as the MAS FinTech Awardin2016, the Global SME Excellence Award at the United Nations’ITUTelecom World in 2017, Brands for Good in 2019, recognised byIDCas amongst the 5 fastest growing FinTechs in Singapore, andtheStevie® Award in 2020. Types of P2P Investment Products (Mightvaryby countries) Guaranteed Returns: GuaranteedProperty-backedGuaranteed Returns Asset-backed: Property-backedDealer FinancingOthers: Invoice Financing / Accounts PayableFinancing / AccountsReceivable Financing Revolving Credit BusinessTerm Key FeaturesInvestment starts from S$20 in Singapore, RM100 inMalaysia,Rp100,000.00 in Indonesia Ability to re-invest quicklywith regularrepayment for most products Investment tenor up to 12months inSingapore and 24 months in Malaysia & IndonesiaInvestors’funds are kept in a 3rd party escrow account We advocate‘Skin inThe Game’ philosophy by investing into the notes put up onourplatform alongside our investors Set up Auto Invest /PlannedFunding and let the system automatically deploy funds foryou basedon your investment preferences Individual Singaporeaninvestors inSingapore can enjoy tax exemption on the interestreturns from year2020 onward Pricing aligned with investors’interests We charge onesimple and all inclusive fee from the totalinterest earned.Investors only pay the service fee when theyreceive theirrepayments from the SMEs. Singapore: 18% of InterestsMalaysia:Varies across products (Business Term - 2% p.a. ofPrincipal andInterests; Others - 15%-30% of Interests) Indonesia:3% p.a. ofPrincipal and Interests Sign Up in 4 Steps Step 1:Register for anaccount Step 2: Fill in the required information(Usage of MyInfois available in Singapore) Step 3: Make an initialdeposit toactivate your account (S$100 in Singapore, RM100 inMalaysia,Rp100,000.00 in Indonesia) Step 4: Start investingDisclaimer: Allinvestments carry risks. Please ensure that youfully understandthe risks involved by reading the Risk DisclosureStatement. Theprovided images are for display purposes only and arenotrepresentative of actual results. # Funding Societies Singapore#Funding Societies Singapore is part of Funding Societies Pte.Ltd.Licensed by the Monetary Authority of Singapore (MAS) -CMS100572Please contact [email protected] or call us at +6562210958 from Mondays to Fridays 9:00 AM to 6:00 PM SGT(excludingpublic holidays) Our Singapore office is located at 112RobinsonRd, #08-00, Singapore 068902 # Funding Societies Malaysia #FundingSocieties Malaysia is part of Modalku Ventures Sdn BhdLicensed bythe Securities Commission Malaysia (SC) - 1190266XPlease [email protected] or call us at +603 22021013 fromMondays to Fridays 9:00 AM to 6:00 PM MYT (excludingpublicholidays) Our Malaysia office is located at Unit 15.01 &Unit15.02, Level 15, Mercu 3, KL Eco City, Jalan Bangsar, 59200KualaLumpur # Modalku # Modalku is part of PT Mitrausaha IndonesiaGrupLicensed by the Indonesia Financial Services Authority (OJK)-77/POJK.01/2016 Please contact [email protected] or call us at+62878 6500 8311 from Mondays to Fridays 9:00 AM to 6:00 PMJKT(excluding public holidays) Our Indonesia office is locatedatUnifam Tower, Jl. Panjang Blok X No.1, Kedoya Utara, KebonJeruk,Jakarta Barat 11520, Indonesia

BlueVine Business Banking is a premier checking accountdesignedspecifically for your small business. The BlueVine BusinessBankingApp simplifies and enhances your experience by giving youtheability to manage your cash flow, track your transactions,anddeposit checks from your mobile phone. GET REWARDED Get1.00%interest on your checking account balance, one of thenation’shighest yield business checking accounts NO MONTHLY FEESGetunlimited number of transactions with zero monthly fees so youcansave their cash instead of paying minimum deposit or balancefees,monthly or maintenance fees, in-network ATM fees withMoneyPasslocations or non-sufficient funds fee. ADVANCED SECURITYYouraccount is FDIC-insured up to at least $250,000 through TheBancorpBank, protected with industry-leading security protocols,andoffers features like the ability to instantly lock your cardincase you lose it. For more information,visitwww.bluevine.com/checking BlueVine in the News: “BlueVinehasdemonstrated a track record of success with theirmultiplefinancing products and set themselves apart with theirvision of acomplete platform of innovative banking products forsmallbusinesses.” - Techcrunch “No one that we know is building orhasbuilt a bank designed and built specifically for smallbusinesses.And that is what we're doing.”- Banking Dive LEGALDISCLOSURESBanking Services provided by The Bancorp Bank. Yourdeposits areFDIC insured up to at least $250,000 through TheBancorp Bank;Member FDIC. The BlueVine Business Debit Mastercard isissued byThe Bancorp Bank pursuant to a license fromMastercardInternational Incorporated and may be used everywhereMastercard isaccepted. Mastercard is a registered trademark, andthe circlesdesign is a trademark of Mastercard InternationalIncorporated.BlueVine® is a registered trademark of BlueVineCapital Inc.

Easy to Get Started :Start today by downloading the Mvelopes budget app and use it forfree for 30 days, add your financial institutions and come up witha budget that will keep you on the path to financial freedom. Youwill get all your transactions sent to your Mvelopes account andyou will easily be able to track all your account balances in oneeasy to use app. Mvelopes uses an envelope budgeting method to helpyou plan and track your household or personal budget. You canassign and manage your budget, as well as receive feedback on whereyou have spent your money and how much you have remaining• Mvelopes is an A + Rated Business with the Better BusinessBureau• Tool for Tidying Up Your Budget - Credit Karma• Named best app for “Over Spenders” - Kiplinger’s PersonalFinance• App That Makes Budgeting Fun - WiseBread• Best Online Money Management Tool - Nasdaq• Budget App for Recent Graduates - NerdWallet• Right Tool for Keeping Financial Resolutions -CreditCards.com• App That Helps Manage Your Student Loans - SoFi• Budget Tool for the New Year - Chicago TribuneGet The Most Out Of Your MoneyUse the Mvelopes budget app to help make more informed budgetingdecisions and future plans. Track your bank accounts and creditcard balances alongside your budget to help pay off your debt andincrease savings faster. Create a financial plan for the future andmake it happen.Save time with the Mvelopes budget app and its access to over16,000 financial institutions, so you can focus on managingfinances and not entering transactions. Be secure with in-appsecurity settings, a four-digit PIN or your Mvelopes username andpassword.Mvelopes Features:• Import your bank and credit card accounts and track your spendingwithin Mvelopes• Unlimited envelopes and financial institutions can be used inyour account• Use digital envelope budgeting system to organize and simplifyyour finances• Easily access or adjust your budget on the go• Categorized spending helps you make informed decisions when youshop• Inbox-style transactions makes it easy to stay on top of yourbudget every day• All-in-one accounts screen lets you view your checking, savingsand credit card balances in one place• Assign transactions to envelope categories, including splittingindividual transactions into separate categories• Complete, real-time synchronization with the Mvelopes web app atMvelopes.com• Money saving tips, ebooks, and videos inside the app

The IdentityForce Mobile App, brought to you by IdentityForce,Inc.,enables active Members to take their Identity TheftProtectionanywhere – world-class capabilities empowering you tospot fraudquickly with a snapshot view of all critical alertnotifications.Depending on the IdentityForce Plan selected,Members get access toAdvanced Fraud Monitoring, 3-Bureau CreditReport Monitoring, andidentity restoration experts. Designed andinfluenced by our Membersthrough surveys and a preview community,IdentityForce has built andreleased a mobile app that featuresintuitive navigation with azero-tolerance policy for advertisingor promotional materials.IdentityForce’s top priority is security,and the mobile appfeatures both Two Factor Authentication (2FA)and Touch ID. So nomatter whether you are traveling overseas, awayon vacation, or youjust don’t want to be tethered to your desktopcomputer,IdentityForce Mobile makes sure you are protectedanywhere, anytime.For nearly 40 years, IdentityForce, Inc. hasprovided best-in-class,highly scalable, award-winning identitytheft, privacy, and creditprotection solutions to consumers,businesses, and governmentagencies. A pioneer of identityprotection, IdentityForce’sinnovation and customer-centricapproach has made the company atrusted partner for bothorganizations and individuals. In 2015, theU.S. government awardedIdentityForce elite Tier-One status as anapproved provider ofidentity protection services for data breachesaffecting over 21.5million people. IdentityForce is the onlyidentity protectionprovider awarded the Parent Tested ParentApproved Seal. Todownload the free IdentityForce Mobile App, youneed to be anactive IdentityForce Member. Learn more aboutIdentityForce athttp://www.identityforce.com.

Unlock an invite by being recognized as a true fan, or join ourwaitlist to match with a community. You can meet other fans thatshare the same passions and interests as you, and have funcollaborating with your favourite brands on content, insights &more! Are you a Brand Fan? You don’t have to be an influencer to berecognised by your favorite brands. Zyper connects brands withtheir fans and fans to each other to build fun, creativecommunities. How it works: Once you’ve been identified as a truefan you’ll be given access to the app where you’ll join a communityof fans. Through our love chat you can interact with the brand andother fans, attend virtual meetups and unlock rewards through a fungamified experience. Join the Zyper movement & be part of a newhome for community. Have questions? Email [email protected]!

Budget Badger - Budgeting as Easy as ABC • Add the money youhavenow • Budget it into envelopes • Cover the unexpected BudgetBadgeris an envelope style personal budget planner and expensetrackerthat helps you stick to a budget and reduce stress. KeyFeatures •Envelope style budgeting - uses a proven method to reducedebt andhelp you manage your personal expenses • Multi-platform -availableon all the platforms that you and your family use • Nosubscriptionfees - never pay a monthly or yearly subscription feeto budgetagain • Easy to start and continue using - designed to beuserfriendly so that you can focus on budgeting • Calculator -allnumber fields have an advanced calculation engine thatcomputesyour input • Private and secure - all data is stored onlyon yourdevice and in your personal Dropbox so your data stays safe•Choice of currency - localized currency options that work foryourcountry Pro Features - unlocked with a one time fee • CloudSync -everything is securely shared between all of your deviceswithDropbox • Reporting - gain insights into your spendingwithmultiple reports

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