Welcome to the **NO.1 digital banking savings bank**! We offer a comprehensive suite of services, including deposits, cards, loans, financial services, credit management, life services, and our unique "Well-Bang" features. Our app leads the savings bank sector, ranking number one in both cumulative downloads and users, based on App Annie data as of December 31, 2023.

Experience the innovative '**Well Bang Walking Savings**,' where you can earn up to a 10% annual interest rate just by walking. We reward you with higher interest rates based on the number of steps you achieve during the subscription period.

New customers, we have a special welcome for you! Open an account and enjoy a **preferential interest rate of up to 7% per year** on your first transaction. This special rate is available for 30 days to first-time account holders.

Are you concerned about managing your assets and liabilities? With **Welcome My Data**, we've helped customers save a total of KRW 8,334.98 million through our nationwide interest reduction project as of March 14, 2024. We collect and manage all your debts, advising you on possible transfer loans and helping you participate in our interest reduction initiatives. Plus, our 'credit weather' feature helps you monitor your credit management effectively.

Opening an account with us is easy and convenient. You can open a non-face-to-face account 24/7, without needing a public certificate; just use pattern or fingerprint authentication along with a 6-digit authentication number. We also offer specialized accounts tailored for payers, office workers, and bosses, each with unique benefits.

Don't miss out on the exclusive '**Wellbang Lounge**' rewards! Walkers can earn up to 100 won per day and up to 3,000 won per month through our 'Well Bank Walking' program. Our 'Well Bang Lotto' and 'Well Bang Odd or Even' games offer exciting prizes every week.

Enjoy our convenient financial services that simplify your life. With a simple drag-and-drop, you can transfer funds between accounts. Our platform provides a comprehensive overview of your total assets, detailed status, and savings goals on a single page. Check your car's value by just entering its license plate number, and set up automatic payments for your utility bills and other fees. We also offer 'free credit management' that doesn't affect your credit score.

To protect you from electronic financial fraud, we provide services like PC designation, 2-channel authentication, and one-time authentication numbers, following the guidelines set by the Financial Supervisory Service.

Product Information

**\[Well-Bang Working Savings\]**

• Subscription target: individual customers
• Contract period: 12 months
• Payment amount: between 10,000 won and 200,000 won per month
• Interest payment: lump sum at maturity
• Basic interest rate: 1.0% per year + preferential interest rate up to 9.0% per year
• Preferential interest rate conditions:
• Differential payment based on annual steps achieved (up to 8.0%)
• Over 1 million steps: 1.0%p per year
• Over 2 million steps: 2.0%p per year
• Over 3 million steps: 3.0%p per year
• Over 4 million steps: 8.0%p per year
• Automatic transfer through our bank account at least 6 times (1.0%p)

**\[WELCOME first transaction preferential term savings\]**

• Subscription target: individual customers
• Contract period: 12 months
• Payment amount: between 10,000 won and 200,000 won per month
• Subscription conditions: within 30 days from the first deposit
• Interest payment: lump sum at maturity
• Basic interest rate: 3.7% per year + preferential interest rate up to 3.3% per year
• Preferential interest rate conditions:
• Automatic transfer through our bank account at least 8 times (1.8%p per year)
• Average account balance of 500,000 won or more from the new deposit date until the day before maturity (1.5%p per year)

**Common precautions:** In accordance with the Depositor Protection Act, your deposit is protected up to 50 million won per person, including principal and interest. Please review the product description and terms before signing up. You have the right to a thorough explanation of the product, so ensure you understand it before proceeding. Note that interest rates are subject to change; always 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)
• Business Operators: 1661-9300 (Weekdays 09:00 - 18:00)
• Financial Fraud Reporting Night Call Center: 02-397-8600/8800

Wellbang App Permissions and Usage

**Required Access Rights:**

• Storage Space: Used for storing joint certificates, checking for OS tampering, submitting documents, storing photos, and submitting supporting documents.
• Phone: Necessary for identity verification, device verification, and consultation calls.
• App Activity: Collects app information and detects malicious apps to prevent electronic financial transaction incidents.

**Optional Access Rights:**

• Contacts/Address Book: Collects contact information for contact transfer, SMS sending, coupon purchasing, and selecting recipients when recommending a friend. Functionality may be limited without consent.
• Camera: Used for photo identification, face authentication, and document submission. Functionality may be limited without consent.
• Photos and Videos: Saves and collects photos submitted as supporting documents. Functionality may be restricted without consent.
• Notification: Sends important notices, event, and promotion alerts. Functionality may be limited without consent.

Items for Investigation of Credit Disorderly Conduct

• Malicious app detection information and diagnostic information on detected malicious apps

Welcome Savings Bank Co., Ltd.
CEO: Daewoong Kim
Business Registration Number: 120-87-93876
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

• Improved app usage environment and stability