웰컴디지털뱅크(웰컴저축은행)

No. 1 digital banking savings bank!

#1 in cumulative banking app downloads in the savings bank sector

#1 in cumulative banking app users in the savings bank sector

According to Sensor Tower (as of February 1, 2025)

■ Manage your assets and liabilities with Welcome MyData

· Estimated savings from the National Interest Reduction Project: KRW 17.6784 billion (as of February 13, 2025)

· Gather and manage all your debts and participate in the interest reduction project.

· Is your credit management clear? Check and manage your credit weather.

■ Find high limits and low interest rates with our loan comparison service.

· Compare over 60 products at once, from credit loans to auto loans, Sunshine Loans, and loans not subject to DSR.

· Even if you already have a mortgage loan, you can find available subordinated loans.

· Even if you've already searched on other platforms, check again on Welcome! Find products only available on Welcome Loan Comparison.

■ Easy and Convenient Account Opening

· Even at this hour? Open a non-face-to-face account anytime, anywhere, 24 hours a day.

· Even without a public certificate? Open an account with a pattern or fingerprint authentication and a 6-digit verification code.

· Open a free account with deposits and withdrawals that earns interest even with just one day's deposit.

■ Benefits Exclusive to Wellbang

· Wellbang Walking: The more you walk, the greater your health and benefits. Loan customers can enjoy up to 3,000 won per month.

· Wellbang Lotto: Match six numbers and win up to 1 million won every day.

· Wellbang Odd or Even: Odd or Even? Enjoy a weekly share of a total prize pool of 1 million won for those who guess correctly.

· Wellbang Friend Referral: Enjoy unlimited benefits for both you and your friends who refer you.

■ Convenient Financial Services for Everyday Life

· Simply drag money from your withdrawal account to the transfer account to complete the transfer. Transfers are on the way!

· Easily check your total assets, current status, savings goals, and more with the "Report."

· Pay all your utility bills, including the four major insurance policies, local taxes, and telecommunications charges, with ease.

· Enjoy convenient access to "Overseas Remittance," which allows you to send money to 50 countries anytime, anywhere, and "Currency Exchange," a must-have for overseas travel, all through the app.

■ Welcome "Life" is packed with various benefits.

· Curious about your car's market value? Simply enter your vehicle registration number to easily check.

· Access your community center in the palm of your hand. From electronic certificate issuance to submission, you can manage everything in one place with the "Government Electronic Document Wallet."

· Check IPO schedules and attractiveness indexes at a glance with the "IPO Stocks at a Glance" app.

· Curious about your credit score? Try "Free Credit Management" without affecting your credit score.

■ Electronic Financial Fraud Prevention Service

· Welcome Savings Bank operates PC-designated services, two-channel authentication services, and one-time authentication number services in accordance with the Financial Supervisory Service's "Electronic Financial Fraud Prevention Service" guidelines.

■ Customer Center Operating Hours

· Loans: 1661-0001 (Weekdays 8:30 AM - 6:00 PM)

· Deposits/Withdrawals: 1661-9400 (Weekdays 9:00 AM - 6:00 PM)

· Business: 1661-9300 (Weekdays 9:00 AM - 6:00 PM)

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

■ Wellbang App Usage Permissions and Purpose

- Required Access Permissions

· Storage: Required for storing joint certificates, checking for OS modifications, saving photos, and submitting supporting documents.

· Phone: Mobile phone numbers are collected for mobile phone user authentication, device authentication, customer service calls, and visible ARS features.

· App Activity: To prevent electronic financial transaction incidents, we obtain broad package visibility permissions to collect app information and detect malicious apps. - Optional Access Permissions

· Contacts/Address Book: We collect and share your contact information to enable features such as transferring contact information, sending SMS messages, purchasing coupons, and selecting recipients when referring friends. This is an optional permission; if you do not consent, these features may be restricted.

· Camera: Used for ID card photos, facial authentication, and document submission. This is an optional permission; if you do not consent, these features may be restricted.

· Photos and Videos: We collect photos submitted for participation in and inquiries about Participation Benefit Zone (TNK Factory) events, saving photos, and supporting documents. This is an optional permission; if you do not consent, these features may be restricted.

· Notifications: Used to receive notifications about important announcements, events, and promotions. This is an optional permission; if you do not consent, notification reception may be restricted.

■ Visible ARS Usage Guide

- Visible ARS is a service that allows you to conduct business while viewing your phone screen during a call with the customer service center. Information about the caller and receiver, as well as commercial mobile content, may be displayed. To use this service, you must consent to the provision of the information below and set permissions. To cancel or withdraw consent, please contact the Customer Center (1661-9400, 1661-0001).

· Purpose of provision: Use of the visible ARS service

· Information provided: Mobile phone number, app ID

· Provided to: Colgate, Inc.

· Information retention period: Until consent is withdrawn

■ Items for investigating credit violations

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

Welcome Savings Bank CEO: Daewoong Kim

Business Registration Number: 120-87-93876

Welcome Savings Bank Compliance Officer Review No. 5733 (August 7, 2025 - August 6, 2026)