웰컴디지털뱅크(웰컴저축은행)

The #1 digital banking and savings bank! Manage your deposits, cards, loans, and financial services all in one place. We also offer credit management and convenient daily life services, all beautifully organized!

The #1 digital savings bank!

Leader in total app downloads within the savings bank sector.

Leader in total app users within the savings bank sector.

※ Based on App Annie data (as of December 31, 2023).

■ ‘Well Bang Walking Savings’ – Simply walk to gradually earn higher interest rates (up to 10% per annum).

• Earn preferential interest rates based on achieving your daily step goal during the subscription period.

■ WELCOME! Get a preferential interest rate (up to 7% per year) on your first deposit!

• New customers receive a special introductory interest rate valid for 30 days after opening an account.

■ Concerned about managing your assets and liabilities? Try Welcome My Data.

• Total estimated savings from the nationwide interest reduction project: KRW 8,334.98 million (as of March 14, 2024).

We consolidate and manage all your debts, and notify you if a balance transfer loan could benefit you. Join the interest reduction project today.

• How's your credit health? Our "Credit Weather" feature helps you manage your credit. Check your credit weather now.

■ Quick and simple account opening

• Need to open an account early in the morning? Open a non-face-to-face account anytime, anywhere, 24/7.

• Don't have a public certificate? All you need is pattern or fingerprint authentication and a 6-digit PIN.

• We have dedicated accounts for Payers, office workers, and entrepreneurs. Open the account that fits you and enjoy special benefits.

■ Don't miss the 'Wellbang Lounge' – exclusive prize benefits only available at Wellbang

• Well Bank Walking: Loan customers earn up to 100 won daily (up to 3,000 won monthly) by walking. Deposit customers earn up to 40 won daily (up to 1,240 won monthly) when they walk.

• Well Bang Lotto: Guess 6 numbers from 0 to 9 correctly to win a prize.

• Well Bang Odd or Even: Will this week be odd or even? If your guess matches, you could win! New prizes awarded every week.

■ Convenient financial services for your daily life

• In Wellbang, transfer funds by simply pressing and holding the source account card, then dragging it to the destination account card! Transfers made easy.

• View your total assets, detailed status, savings goals, and more on a single dashboard.

• Curious about your car's value? Get an estimate just by entering your license plate number.

• Use the 'Automatic Payment' service for hassle-free automatic payments of utility bills and other fees to registered institutions.

• Want to know your credit score? Get 'free credit management' insights without affecting your credit score.

■ Electronic financial fraud prevention services

• Welcome Savings Bank operates the "PC Designation Service," "2-Channel Authentication Service," and "One-Time Password Service" in compliance with the Financial Supervisory Service's "Electronic Financial Fraud Prevention" guidelines.

■ Product information

\[Well-Bang Working Savings\]

• - Subscription eligibility: Individual customers

• - Contract period: 12 months

• - Monthly payment: Fixed amount between 10,000 won and 200,000 won

• - Interest payment: Paid in a lump sum at maturity

• - Base interest rate: 1.0% per annum + preferential interest rate up to 9.0% per annum

• - Preferential interest rate conditions:

• ① Differential preferential interest based on achieving annual step goals (up to 8.0%)

\* Preferential interest rates according to steps achieved:

Over 1 million steps: +1.0% p.a. / Over 2 million steps: +2.0% p.a. / Over 3 million steps: +3.0% p.a. / Over 4 million steps: +8.0% p.a.

• ② Set up automatic transfers from your bank account at least 6 times (+1.0% p.a.)

\[WELCOME First Transaction Preferential Term Savings\]

• - Subscription eligibility: Individual customers

• - Contract period: 12 months

• - Monthly payment: Fixed amount between 10,000 won and 200,000 won.

• - Eligibility: Must subscribe within 30 days of opening your first deposit account.

• - Interest payment: Paid in a lump sum at maturity

• - Base interest rate: 3.7% per annum + preferential interest rate up to 3.3% per annum

• - Preferential interest rate conditions:

• ① Set up automatic transfers from your bank account at least 8 times (+1.8% p.a.)

• ② Maintain an average balance of 500,000 won or more in your linked deposit/withdrawal account from the subscription date until maturity (+1.5% p.a.)

※ General Information

In accordance with the Depositor Protection Act, this deposit is protected up to "50 million won" per person (combined with other protected products from this mutual savings bank), covering principal and a portion of interest. Please review the product description and terms before signing the contract. You have the right to receive a full explanation of the product; please ensure you understand it before proceeding.

※ Interest rates are subject to change. Please check our website or app for the latest rates.

■ Customer Center Operating Hours

• Loans: 1661-0001 (Weekdays 08:30 ~ 18:00)

• Deposits/Withdrawals: 1661-9400 (Weekdays 09:00 ~ 18:00)

• Corporate/Business Inquiries: 1661-9300 (Weekdays 09:00 ~ 18:00)

\* Financial Fraud Reporting Night Call Center: 02-397-8600 / 8800

■ Wellbang App Permissions and Purpose of Use

• - Required Permissions

• · Storage: Required for storing digital certificates, checking for OS tampering, submitting documents, and saving photos for verification.

• · Phone: Required for identity verification, device authentication, and facilitating consultation calls.

• · App Activity: Used to collect app information and detect malicious apps by obtaining broad package visibility to prevent electronic financial fraud.

• - Optional Permissions

• · Contacts/Address Book: Used for contact-based transfers, sending SMS, purchasing coupons, and selecting recipients when recommending friends. Functionality may be limited if not granted.

• · Camera: Used for photo ID verification, facial authentication, and document submission. Functionality may be limited if not granted.

• · Photos and Videos: Saves photos and accesses images submitted as supporting documents. Functionality may be limited if not granted.

• · Notifications: Allows you to receive important notices, event updates, and promotional information. You may miss notifications if not granted.

■ Items Monitored for Suspicious Credit Activity

• · Malicious app detection information and diagnostic data on identified malicious apps.

Welcome Savings Bank Co., Ltd. CEO: Daewoong Kim

Business Registration Number: 120-87-93876

Welcome Savings Bank Compliance Officer Deliberation No. 3765 (2024.08.08~2025.08.07)

Reviewed by the Korea Federation of Savings Banks 2023-00710 (2023.06.22~2024.06.21)

### What's New in the Latest Version 3.4.9

Last updated on Oct 22, 2024

1. 1\. App usability improvements and stability enhancements.