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WeLab Bank understands your needs. We help you manage, save & grow your money, so you can live life the way you want. • Open a bank account in as fast as 5 minutes¹ • Enjoy amazing time deposit rate • “Digital Wealth Advisory” enables you to diversify investment, enjoy no subscription fee² GOSAVE 2.0 TIME DEPOSIT: Various tenors/ currencies; From $10 in related currency FOREIGN EXCHANGE³: 11 currencies foreign exchange service TRANSFER: FPS transfers – Instant, free and 24/7; FPS QR Code, settling bill/merchant payments; USD local transfer (CHATS) and multi-currencies Global Remit services FEATURED FUNDS ⁴: A list of funds from global fund houses⁵ DIGITAL WEALTH ADVISORY: portfolios recommended by smart system; Start investing at HKD100 with $0 subscription fee² WeLab Global Wallet Debit Card²: Auto FX Top up. Spend across currencies with ease WELAB BANK PERSONAL LOAN: WeLab Bank exclusive “Loan Masters“⁶; Get preliminary approval in 3 steps via your app; The annualized percentage rate (“APR”) is as low as 1.68%⁷ WeLab Bank Limited is a member of the Deposit Protection Scheme in Hong Kong. Eligible deposits taken by WeLab Bank are protected by the Scheme up to a limit of HKD 800,000 per depositor. To borrow or not to borrow? Borrow only if you can repay! Above are subject to terms and conditions. Please refer to our webpage for details. ¹Actual time may vary depending on factors such as your connectivity and mobile phone. ²For fees and charges, please refer to “General Service Charges” available at our website. ³The foreign exchange transactions involve risk arising from exchange rates fluctuation. The information above is not and does not constitute or form part of any offer, recommendation, invitation or solicitation to subscribe to or to enter into any transaction. ⁴Information is for reference only and does not constitute any investment advice, offer or solicitation to offer or recommendation of any investment product. Investment involves risks. ⁵We categorise the funds into different themes based on the funds' information. Information relevant to the funds is for reference only and does not constitute a solicitation, offer or investment advice. ⁶Loan Masters refer to WeLab Bank’s self-developed system that works with the team that follows up with the customers, to provide advice to customers based on their unique loan requirements and financial situations. The aforesaid advice does not constitute an offer, loan request or recommendation. Any loan request is subject to assessment against normal lending criteria. ⁷The APR ranges from 1.68% to 36.00% and loan amount ranges from HKD 10,000 to HKD 1,500,000 with repayment period of 6 to 72 months. Assume the loan amount as HKD 1,500,000 with tenor of 12 months, the APR will be 1.68% (excluding cash rebate) and total repayment amount will be HKD1,513,580.49. It is calculated according to the guidelines issued in respect of the Code of Banking Practice and rounded to the nearest 2 decimal places and may vary for individual customers. It is a reference rate which includes the basic interest rates and other applicable fees and charges of a product expressed as an annualized rate. The App and its information are not intended for use where prohibited by law or regulation. We have not obtained authorization from other jurisdictions to provide the products and services through this App, and we do not guarantee the content's appropriateness or availability outside Hong Kong. It does not convey an invitation to engage in banking or lending activities, nor does it solicit services from individuals not permitted to do so under applicable laws. By applying for any products and/or services through this App, you confirm compliance with the local laws that apply to you. Address: Level 23, K11 ATELIER, 728 King's Rd, Quarry Bay, HK