Know that feeling when everything is taken care of? That’sSpiir.Spiir keeps track of your money, so you don’t have to. Ithasalready helped more than 400,000 live the life they wantwithoutstressing about money or budgets. And best of all, the appis free!Our goal is to make personal finance fun and easy, soyou’re ableto do the things that matter most to you – whetherthat’s buying aplane ticket to Paris, inviting all your friends outfor drinksnext Friday or just seeing your savings accountskyrocket. We gotyour back. Here’s how you get started in 3 easysteps: 1. Add yourbank accounts 2. Teach the app to categorize yourspending 3. Tryour challenges and save money in an easy and fun wayHow Spiir canhelp you: • Keep track of all your finances in oneplace • Severalaccounts? In different banks? Not a problem. Spiirgives you oneoverview of all your finances. By connecting youraccounts toSpiir, your transactions are automatically categorizedinto morethan 80 categories. That’s right, you don’t have to do thework. •Save money with challenges • Want to save money? Take onourchallenges or create your own. We’ll help you cut your expensesonthe things you buy daily. Spiir keeps track of how much moneyyouspend and gives you a heads-up if your spending is running wildorcheer on you if you’re on the right on track. • Get yourownpersonal finance assistant • A happy money-buddy that takes careofall the boring budget stuff and helps you manage your moneywithease? You got it. The Spiir assistant crunches the numbersandtells you fun facts about your money habits through quizzes,weeklyoverviews of your expenses and more. • Treat yourself withuniquesavings and benefits • Insurances? Streaming? Fitness? SpiirTreatsgives you alternatives to the things you spend your money onyoureveryday life or other benefits you only can get as aSpiir-User.We team up with specially selected partners that canhelp you getmore value for your money. • Add important details toyourtransactions • Need to save a receipt? Take a picture of itandupload it to a specific purchase. You can also add notes toyourtransactions or create a #tag to track your spendingacrossdifferent categories, like #Hawaii2020 or #TacoTuesday. •Stay inthe loop • Always know where you stand financially withouthavingto go through an endless list of transactions or bankstatements.Spiir tells you all the important things you need toknow aboutyour money with personalized insights and clevernotifications. •Sounds great! But what about security? • We loveour users. Andthere’s nothing more important to us than your trust.That’s why weuse bank-level security measures to make sure thatyour personaldata is safe. We’re also the first company in Denmarkto beregistered as a licensed Account Information Service Provider,andwe operate under the supervision of the Danish FinancialServicesAuthority. • Don’t be shy • If you have any questions,feedback orawesome savings tips, you’re more than welcome to reachout to usat [email protected]

Gimi is a pocket money app and chores manager. The free appwascreated for busy families to help children and teenagersmanagepocket money, grow their savings and learn how to mastertheirpersonal finances, in one safe, fun place. The mobile pocketmoneymanager teaches kids financial education that will benefitthemthrough life because practice makes perfect and smartmoneymanagement achieves dreams! Using Gimi, parents can set arecurringallowance along with chores for their children to completeand keeptrack of how they are doing. Kids can suggest tasks totop-up theirweekly allowance money, send picture proof when they’vefinishedthem and save money towards their dreams. Key features forparents:- Set your children up with a recurring weekly or monthlypocketmoney with the allowance tracker - Introduce them to interestratesand show them how they can impact their savings with thesavingstool for kids - Schedule household chores, monitor theircompletionand reward hard work using the chores manager - Keeptrack ofeverything in one place. Schedule pocket money payments andsee howmuch they have earned, spent and saved in real-time Keyfeaturesfor kids: - Receive a regular allowance from your parents -Earnadditional pocket money through completing jobs around thehouseand good behaviour - See how much you have earned in pocketmoneyfor this week or month - Save up for your dream buys and seehowclose you are to achieving them - Connect with other familymembersfor an additional boost to your savings Earn, save, andspend moneywith Gimi, for 18 years old and below. User terms andconditionsand privacy policy: www.gimitheapp.com/terms

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“Discover App” is a concept for global servicein which people can make friends and provide communication servicewhich enables smooth photo sharing and communication with globalfriends. Share your photo’s to enjoy and get new Inspirations fromothers by looking through photos. Also share your profile to newfriends and see others profile. Share your interesting photos andstories with global friends.Features• To meet new surrounding friends.• Sharing Photos with Global Friends.• Share interesting stories with global friends.• Like, share and comment in friend’s posts.• To communicate with new friends.

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Meet Kris+, your lifestyle rewards app that lets you enjoyexclusive deals and privileges every day at over 1,000 dining andretail partner outlets in Singapore. Enjoy up to 6% rebates and getthe BEST miles rate in town of up to 9 miles per SGD spent, bysimply making payments through the app as you shop and dine! WithKris+, everything adds up: DEALS, PRIVILEGES, REWARDS & REBATES- Privileges with minimum of 10% off, 1-for-1 deals andcomplimentary treats. - Exclusive birthday privileges during yourbirthday month. - Earn rebates in miles for every payment madethrough the app, with no minimum spend or cap in the maximum numberof miles you can get. As good as cashback! - Your spend on Kris+lets you earn both rewards from Kris+ and your credit card, easilydoubling your rewards! - Convert reward points from your Citibank,CapitaStar, DBS or UOB account to miles. - Redeem your earned milesto offset your future purchases or transfer them to your KrisFlyeraccount to accumulate for your next Singapore Airlines flight.PARTNER MERCHANTS - In Singapore, there are 300+ partnering brandsand over 1,000 outlets across dining, retail, wellness, leisureactivities and services categories. - Local partners include –award winning restaurants like Braci, Amò, atout and Alma by JuanAmador; casual dining restaurants like Aburi-EN, Enjoy EatingHouse, Mrs Pho, The Coffee Academics and Nuodle; cafes and bistroslike Paris Baguette, Gong Cha, Cedele, Mellower Coffee and 25Degrees Burger; retail brands like Harvey Norman, Challenger,Simmons, In Good Company, PUMA, Bottles&Bottles and FairPriceFinest; services like Esso, Shunji Matsuo and PHS HAIRSCIENCE;attractions like Holey Moley Golf Club, Ola Beach Club and iFly;wellness salons like House of Traditional Javanese Massage LifeSpa,and Kenko Wellness. - Use Kris+ and enjoy privileges at countrieswith partnering merchants, including South Korea, India, Australia,Indonesia, Hong Kong, Indonesia, Philippines, Thailand, and more.FEATURE HIGHLIGHTS - Monthly flash deals for vouchers and promocodes. - Complete in-app challenges and get rewarded instantly. -Frequent bonus miles and miles-back promotions. - Transfer miles toand from your KrisFlyer account to your Kris+ app. - Discoverpartner outlets nearby where you can use Kris+. - Shop directly onKrisShop and earn miles for every transaction made. - Personalisedpush notification and recommendations. - Retrieve your SingaporeAirlines pass within 24 hours. before arriving in Singapore, orduring your stay in Singapore. SEAMLESS PAYMENT - Set up Google Payon your mobile phone with your desired debit / credit card; Kris+will automatically detect this as a payment option - Simply scanthe QR code at our partner outlets with your Kris+ app and proceedwith payment using Kris+. REFERRAL REWARDS - Earn SGD 5 worth ofmiles for both you and your friend for every successful Kris+referral. For more information, visit https://krisplus.com