웰컴디지털뱅크(웰컴저축은행)

NO.1 digital banking savings bank!

No. 1 in cumulative app downloads in the savings bank sector

No. 1 in cumulative app users in the savings bank sector

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

■ ‘Well Bang Walking Savings’ where interest rates (up to 10% per annum) are gradually accumulated just by walking.

· We provide preferential interest rates depending on whether or not you achieve the number of steps within the subscription period.

■ WELCOME! You can receive a preferential interest rate (up to 7% per year) on your first transaction!

· We offer a special interest rate for 30 days to customers who open an account for the first time.

■ If you are worried about how to manage your assets and liabilities, try Welcome My Data.

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

We will collect and manage all your debts and let you know if a transfer loan is possible. Participate in the interest reduction project.

· Is my credit management going well? We help you manage your credit using credit weather. Check your credit weather.

■ Easy and convenient account opening

· Is it possible to do it in the early morning hours? You can open a non-face-to-face account anytime, anywhere, 24 hours a day.

· Is it possible to open one if I do not have a public certificate? All you need is a pattern or fingerprint authentication and a 6-digit authentication number.

· There is a dedicated account just for Payers, office workers, and bosses. Receive special benefits after opening an account that fits you.

■ Don’t miss out on the ‘Wellbang Lounge’, a prize benefit that can only be enjoyed at Wellbang

· Well Bank Walking: Loan customers receive benefits of up to 100 won per day and up to 3,000 won per month if they walk.

Receiving customers receive benefits worth up to 40 won per day and up to 1,240 won per month when they walk.

· Well Bang Lotto: If you guess 6 numbers from 0 to 9, you will receive a prize.

· Well Bang Odd or Even: Will this week be odd? Is it a match? Prize money pouring in every week

■ Use convenient financial services in your life

· In Wellbang, simply press and hold the account card you wish to withdraw from and then drag the account card you wish to deposit to complete the transfer! Transfer all the way!

· Check total assets, detailed status, savings goal status, etc. on one page.

· Are you curious about the price of your car? You can check the car price just by knowing the license plate number.

· Use the convenient payment service ‘Automatic Payment’ to automatically pay utility bills and other usage fees to your institution.

· Are you curious about your credit score? We provide ‘free credit management’ without affecting your credit score.

■ Electronic financial fraud prevention service

· Welcome Savings Bank operates “PC designation service,” “2-channel authentication service,” and “one-time authentication number” service in accordance with the Financial Supervisory Service’s “Electronic Financial Fraud Prevention Service” guidelines.

■ Product information

[Well-Bang Working Savings]

- Subscription target: individual customers

- Contract period: 12 months

- Payment amount: The same amount of 10,000 won or more and 200,000 won or less per month

- Interest payment: lump sum payment at maturity

- Basic interest rate: 1.0% per year + preferential interest rate up to 9.0% per year

- Preferential interest rate conditions:

① Differential payment of preferential interest rates depending on whether or not the annual number of steps is achieved (8.0%)

* Preferential interest rate application section according to the number of steps

More than 1 million steps: 1.0%p per year / More than 2 million steps: 2.0%p per year / More than 3 million steps: 3.0%p per year / More than 4 million steps: 8.0%p per year

② Payment by automatic transfer through our bank account at least 6 times (1.0%p)

[WELCOME first transaction preferential m term savings]

- Subscription target: individual customers

- Contract period: 12 months

- Payment amount: The same amount of more than 10,000 won and less than 200,000 won per month.

- Subscription conditions: Within 30 days from the date of first opening deposit subscription

- Interest payment: lump sum payment at maturity

- Basic interest rate: 3.7% per year + preferential interest rate up to 3.3% per year

- Preferential interest rate conditions:

① Payment by automatic transfer through our bank account at least 8 times (1.8p per year)

② When the average deposit/withdrawal account balance from the new date of this deposit to the day before the contractual maturity date is 500,000 won or more (1.5p per year)

※Common precautions

In accordance with the Depositor Protection Act, this deposit is protected up to “50 million won” per person (combined with other protected products of this mutual savings bank), including the principal and a certain amount of interest. Please check the product description and terms and conditions before signing the contract. You have the right to receive a sufficient prior explanation of the product, and please understand the explanation before transacting.

※Interest rates may change, so please refer to the website or app.

■ Information on customer center operating hours

· Loan: 1661-0001 (Weekdays 08:30 ~ 18:00)

· Deposit/Withdrawal: 1661-9400 (Weekdays 09:00 ~ 18:00)

· Business operator: 1661-9300 (Weekdays 09:00 ~ 18:00)

* Financial fraud reporting night call center: 02-397-8600/8800

■ Information on permission and purpose of using Wellbang App

- Required access rights

· Storage space: Required for storing joint certificates, submitting documents to check for OS tampering, storing photos, and submitting supporting documents.

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

· App activity: Used to collect app information and detect malicious apps by obtaining broad package visibility to prevent electronic financial transaction incidents.

- Optional access rights

· Contacts/Address Book: Contact information is collected and shared to use functions such as contact transfer, sending SMS, purchasing coupons, and selecting recipients when recommending a friend. If you do not consent to this as an optional permission, its functionality may be limited.

· Camera: Used to take photos of ID cards, submit documents, etc. This is an optional permission, and if you do not consent, its functionality may be limited.

· Photos and videos: Save photos and collect photos submitted as supporting documents. This is an optional permission and its functionality may be restricted if you do not consent to it.

· Notification: Used to receive notifications of important notices, events, and promotions. This is an optional permission; if you do not consent, you may be restricted from receiving notifications.

■ Items for investigation of credit disorderly conduct

· Malicious app detection information, diagnostic information on detected malicious apps

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

Business registration number: 120-87-93876

Welcome Savings Bank Compliance Officer Deliberation No. 3765 (2024.04.15~2025.04.14)

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