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

Based on Sensor Tower (January 2, 2026)

■ Make finance easier and smarter, AI Financial Assistant

· Tell us the financial service you want, such as transfers, menu navigation, account information inquiries, or transaction history inquiries! The AI will provide it quickly and easily.

■ Manage your assets and liabilities with Welcome MyData

· Total estimated savings from the Nationwide Interest Reduction Project: 17.6784 billion KRW (As of February 13, 2025)

· Consolidate 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

· You can compare over 60 products at once, ranging from personal loans to auto loans, Sunshine Loans, and Sunshine Loan products not subject to DSR. · Even if you already have a mortgage, you can search for available subordinated loans.

· Even if you have already checked on other platforms, check again at Welcome! Discover products available exclusively through Welcome Loan Comparison.

■ Open an Account Easily and Conveniently

· Not right now? You can open a non-face-to-face account anytime, anywhere, 24 hours a day.

· No need for a digital certificate? You can open an account by authenticating with a pattern or fingerprint and using just a 6-digit verification code.

· You can open a savings account with unrestricted deposits and withdrawals where interest accumulates even if your money is held for just one day.

■ Benefits Only Available at Welbank

· Welbank Walking: Health and benefits grow the more you walk. Loan customers can enjoy up to 3,000 won per month.

· Welbank Lotto: Match 6 numbers and try your luck at winning up to 1 million won every day.

· Face Pick: Correctly guess the answer from 6 faces (options) to receive a reward of up to 10,000 won every day. · Welbank Friend Referral: Enjoy unlimited benefits for both the referrer and the friend who signs up.

■ Convenient Financial Services in Daily Life

· Transfers are completed simply by dragging from the withdrawal account to the recipient account—smooth transfers!

· Conveniently check your total assets, current status, and savings goals in the ‘Report’.

· Now conveniently pay various utility bills, including the four major insurance premiums, local taxes, and telecommunication fees.

· Conveniently use the app for ‘International Remittance’ to send money to 50 countries anytime, anywhere, and the ‘Currency Exchange Service,’ an essential service for overseas travel.

■ Welcome ‘Benefits’ Packed with Diverse Benefits

· Curious about the market value of your car? You can easily check it just by knowing the license plate number.

· A community center in your hand; handle everything from issuing to submitting electronic certificates all at once with the ‘Government Electronic Document Wallet.’

· Smart ‘IPO at a Glance’ to check IPO schedules and attractiveness indices at a glance.

· Curious about your credit score? Try ‘Free Credit Management’ without impacting your credit score.

■ Electronic Financial Fraud Prevention Service

· Welcome Savings Bank operates the PC Designation Service, 2-Channel Authentication Service, and One-Time Verification Code Service 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 Accounts: 1661-9300 (Weekdays 9:00 AM – 6:00 PM)

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

■ Welbank App Usage Permissions and Purposes

- Essential Access Permissions

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

· Phone: Mobile phone numbers are collected to use mobile phone identity verification, device authentication, consultation calls, and the Visual ARS function. · App Activity: Used to collect app information and detect malicious apps by obtaining broad package visibility permissions to prevent electronic financial transaction fraud.

- Optional Access Permissions

· Contacts/Address Book: Collects and shares contacts to use functions such as transferring contacts, sending SMS messages, purchasing coupons, and selecting recipients when referring friends.

As an optional permission, these functions may be restricted if you do not agree.

· Camera: Used for taking photos of ID cards, facial authentication, and document submission. As an optional permission, these functions may be restricted if you do not agree.

· Photos and Videos: Collects photos for participating in and making inquiries regarding Participation Benefit Zone (TNK Factory) events, saving photos, and photos submitted as supporting documents. As an optional permission, these functions may be restricted if you do not agree.

· Microphone: Microphone permission is required to collect voice information within AI services. As an optional permission, voice recognition functions may be restricted if you do not agree.

· Notifications: Used to receive notifications regarding important announcements, events, promotions, etc. As an optional permission, receiving notifications may be restricted if you do not agree.

■ Guide to Using Visual ARS

- Visual ARS is a service that allows you to handle business while viewing your mobile phone screen during a call with the Customer Center. Information regarding incoming and outgoing calls, as well as commercial mobile content, may be displayed. To use the service, you must agree to the provision of the information below and configure your permissions. To cancel usage or withdraw your consent, please contact the Customer Center (1661-9400, 1661-0001).

· Purpose of Provision: Use of Visual ARS service

· Information Provided: Mobile phone number, App ID

· Recipient: Colgate Co., Ltd.

· Information Retention Period: Until consent is withdrawn

■ Items for Investigation of Disorderly Conduct in Credit

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

Welcome Savings Bank Co., Ltd. CEOs: Park Jong-sung, Son Dae-hee

Business Registration Number: 120-87-93876

Welcome Savings Bank Compliance Officer Review No. 5733 (March 30, 2026 – March 29, 2027)