ZA Bank, be the game changer! From Hong Kong's No.1 virtual bank-ZA Bank, to Hong Kong's first Visa card with personalisedcardnumber – ZA Card, we're committed to bring you a differentbankingexperience. The first-ever Visa card with personalisednumber Forthe first time in Hong Kong, you can decide your cardnumber yourway. Choose your own card for real. ZA Card gives whatyou needSupported by Visa, enjoy free cash withdrawal at over 3,000localbanks' ATMs in HK and access to over 2.7 million ATMsworldwide. NoCVV, expiry date or even your signature on thephysical card,reaching a new level of security. 1% Savings rate byZA Savings GoEnjoy a different way to save with Savings Go. Earn asyou deposit!ZA Bank Loan We provide loan amount up to HKD 1,000,000withflexible repayment period of 6 to 60 months. The range of APRisfrom 1.99% to 35%. 7-day cooling off period Early repay the loaninfull within 7 calendar days to enjoy an interest andchargeswaiver. ZA Verify offers a smoother and safer shoppingexperienceNo more waiting for SMS during online shopping! With thebrand newZA Verify, you can verify the transaction within the appinseconds. 24/7 for you, whenever you need We offer a suitesofbanking services anytime and anywhere, including savings,timedeposit loan and more. Top-notch security protection Youraccountsecurity is a big responsibility to us. We apply robustdigitalsecurity technology, including multi-factor Authentication(MFA)and other intelligent security protections. ZA Bank is amember ofthe Deposit Protection Scheme. All eligible deposits arecovered bythe scheme with a limit of HKD 500,000 per depositor.Terms &conditions apply. Visit bank.za.group to find out more.To borrowor not to borrow? Borrow only if you can repay! Thedescription of'Hong Kong's No.1 virtual bank' is defined by ZABank’s leadingposition in the virtual banking industry in terms ofnumber ofusers, personal deposits and loan amount as of 31 December2020.This banking mobile application ("App") is provided by ZABankLimited ("We", "us" or "our") for use only by ourexistingcustomers or persons holding a valid Hong Kong IdentityCard andhaving a residential address in Hong Kong ("Customers").Please donot use this App if you do not have a valid Hong KongIdentity Cardand a residential address in Hong Kong or (if outsideHong Kong)you are not our existing customers. This App and theinformationprovided through it is not intended for use by anyperson in anyjurisdiction where such use would not be permitted bylaw orregulation. Any person who is not a Customer who uses theApp,releases us from any liability, claims, damages, losses orcostsarising from any non-compliance with the applicable proceduresandinstructions herein. We are not authorised or licensed in anyotherjurisdiction for the provision of the products and/orservicesavailable through this App, nor do we represent or warrantthatcontents on this App are appropriate or available for useoutsideHong Kong. Please ensure you comply with local laws andregulationsapplicable to you before using this App or our services.This Appshould not be considered as communicating any invitationorinducement to engage in banking or lending, or any offerorsolicitation to provide products or services to any personwherethe local law or regulation does not permit such activity ortheuse of such products or services. By applying for anyproductsand/or services through this app, you declare and confirmthat youcomply with local laws and regulations applicable to youfor usingthis app or our services.

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