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QUBER is a budgeting app built on your pay cycle, not the calendar month. Most people are paid weekly or every two weeks, but their bills arrive monthly. QUBER spreads your bills across your paydays, shows what you can spend until your next payday, and sets your savings aside automatically before you can spend them. For individuals Subscribe on your own at qubersavings.com. Plan each pay, build short-term savings for the bills and goals you know are coming, and earn rewards and Save to Win prize draw entries as you save. For employers and organizations QUBER is an emergency savings and budgeting benefit that improves employee financial wellness. Your organization covers the cost and sets the incentives. • Emergency savings: employees build a cushion with automatic deposits from their bank or payroll, and can cash out with no penalty when the unexpected happens. • Budgeting: a budget built on each employee's pay cycle, so a short week doesn't turn into an emergency. • Your incentives: matched savings, rewards and Save to Win prize draws, in a program branded for your organization. • Low touch for HR: we handle onboarding, employee support and reporting. No payroll integration required. Members deposit an average of $202 a month, and 76% are still saving after a year. Levi's Red Tab Foundation, the KFC Foundation, Amazon and HCA Healthcare use QUBER to reduce financial stress, absenteeism and turnover. Founded in 2016 in Moncton, New Brunswick, QUBER serves members across Canada and the US. Get started: qubersavings.com/get-started Offer QUBER at work: qubersavings.com/organizationsN SUCCESS: After only one year, 87% of Levi Strauss employees said they would have never saved as much money if it hadn't been for QUBER Visit www.qubersavings.com or email contactus@qubersavings.com to book a demo.

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Jennifer Leger is the Co Founder of QUBER.

1 people are employed at QUBER.

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