Summary: Added Bookkeeping and Payroll Offer

Why It Matters: This new offer gives customers a free first month for bookkeeping and payroll services.

What Changed:

• The Spruce Savings APY date changed from 08/29/2025 to 09/09/2025.
• A new section, "164 Bookkeeping and Payroll Partnership Offer," was added. This offer gives the first month free for virtual Premium or Full-Service bookkeeping and/or Premium or Plus payroll services, up to $175 for bookkeeping and $150 for payroll.