Buying Funds📊 with Commission? You’ve Got Choices! WeLab Bank $0 Fund Trading Fee Mode

The investment products or services mentioned in this material are not equivalent to, nor should it be treated as a substitute for, time deposit.

Note: Investment involves risks. The above information is for reference only and does not constitute any investment advice.

#WeLab Bank charges a monthly fee based on your total fund holdings, instead of charging subscription or switching fees per transaction like traditional banks. For fee details, please refer to the General Service Charges.

*From 23 October to 1 December 2025, customers who successfully opened or have a valid Core Account and Investment Account with any accounts’ balance at or above HKD 20,000 as of 1 December 2025, subscribed funds / portfolios via Featured Funds or GoWealth Digital Wealth Advisory for an one off investment amount of HKD 10,000 or above (excluding money market funds and Portfolio 1, and any monthly investment instructions), with accumulated investment amount of HKD 20,000 or above, and hold the fund position from 2 December 2025 until 31 March 2026, eligible transaction can earn 8.8% one-month annual rate cash reward. The accumulated investment amount of Eligible Transactions of a customer that can be counted as Eligible Transactions shall be capped at HKD 5,000,000 and the total Cash Reward received under this Program shall be capped at HKD 36,164.4 (HKD 5,000,000 *8.8%*30/365). Terms and conditions apply. For details, please Click Here

**The list only includes fund houses funds listed on the WeLab Bank Featured Fund Service. This list is based on fund data provided by the Fund House according to transaction volume statistics for the Hong Kong market in the third quarter of 2025. If a company's best-selling fund is not listed on our platform, its second-best-selling fund is displayed; if its second-best-selling fund is also not listed, its third-best-selling fund will be displayed. Fund performance data is provided by Morningstar Asia Limited, as of October 31, 2025. We are not responsible for or endorse the accuracy of the data. Investment involves risks. Past performance is not indicative of future results. Dividend amount/distribution rate is not guaranteed and may be paid from capital of the Portfolio. Please refer to the relevant fund sales documents for details on fund performance.

AB American Income Portfolio Fund (USD) (Monthly Dividend) Fund Calendar Year Performance: 2024: 2.83%; 2023: 8.32%; 2022: -13.09%; 2021: -0.34%; 2020: 4.62%; Allianz Income and Growth (USD)(Monthly Dividend) Fund Calendar Year Performance: 2024: 9.94%; 2023: 17.32%; 2022: -19.70%; 2021: 11.66%; 2020: 21.94%; BGF Systematic Global Equity High Inc (USD)(Monthly Dividend) Fund Calendar Year Performance: 2024: 16.71%; 2023: 15.70%; 2022: -14.85%; 2021: 17.01%; 2020: 8.86%; Fidelity Global Income Fund (USD)(Monthly Dividend) Fund Calendar Year Performance: 2024: 6.26%; 2023: 8.56%; 2022: -10.46%; 2021: 0.03%; Inception date: 22 April 2020; Since Inception: 24.81%; Invesco Global Investment Grade Corporate Bond Fund (USD) (Monthly Dividend) Fund Calendar Year Performance: 2024: 4.03%; 2023: 9.46%; 2022: -16.57%; 2021: -0.84%; Inception date: 4 March 2020; Since Inception: 4.26%; Janus Henderson Balanced (USD)(Monthly Dividend) Fund Calendar Year Performance: 2024: 13.65%; 2023: 13.62%; 2022: -17.61%; 2021: 15.49%; 2020: 12.62%; JPM Income (USD)(Monthly Dividend) Fund Calendar Year Performance: 2024: 5.96%; 2023: 4.98%; 2022: -8.27%; 2021: 2.17%; 2020: 3.05%; PIMCO Balanced Income and Growth Fund (USD) (Monthly Dividend) Fund Calendar Year Performance: 2024: 11.98%; Inception date: 30 November 2023; Since Inception: 37.31%; Value Partners Asian Income Fund (USD) (Monthly Dividend) Fund Calendar Year Performance: 2024: 10.94%; 2023: 7.62%; 2022: -17.80%; 2021: 3.28%; 2020: 17.55%.

¹The algorithm in the GoWealth Digital Wealth Advisory Services relies on the portfolio simulation database containing 7,488,000 simulation paths for the model portfolios projected over the next 52 years (i.e. 624 months), which reflects our capital market forecast on various asset classes and the model portfolios in terms of risk, return and correlations.

² You may set up your investment goal via our Wealth Management Services on the WeLab Bank app, including the relevant investment horizon and one-time investment and monthly investment amounts. Our algorithm will recommend you a model portfolio based on your investment goal as well as your relevant personal circumstances. If you accept the recommendation, we will follow your instruction to process your one-time investment, and invest the monthly investment amount set by you in the model portfolio each month automatically. We will provide you various types of alerts/notifications, including but not limited to alerts/notifications about the status of your investment goal. However, such alerts/notifications are not investment advice. You may view the status of your investment goal and edit your investment goal on the WeLab Bank app according to your needs. The services are not discretionary asset management services. Any recommendation provided under the services is not a guarantee that you will achieve your investment goal.

This webpage is for information only and does not constitute any offer, solicitation, recommendation, comment or any guarantee to the purchase or sale of any investment products or services. The investment products or services mentioned in this webpage are not equivalent to, nor should it be treated as a substitute for, time deposit.

Investment involves risk. The price of an investment fund unit may go up as well as down and the investment funds may become valueless. Part of your investment may not be able to liquidate immediately under certain market situation. Please refer to our Wealth Management Services Terms (including relevant risk disclosures) and relevant fund offering documents for more details of our services as well as the nature and risks of the relevant products.

The investment decision is yours but you should not invest in these product(s) nor services unless the intermediary who sells them to you has explained to you that these products are suitable for you having regard to your financial situation, investment experience and investment objectives.

Before making any investment decisions, you should consider your own financial situation, investment objectives and experiences, risk acceptance and ability to understand the nature and risks of the relevant product(s).

If you have any inquiries on the nature and risks involved in this webpage, relevant product(s) and services, trading or investment funds, etc, you should seek advice from independent financial adviser.

The information contained on this Website should not be construed as a distribution, an offer to sell, or a solicitation to buy any securities in any jurisdiction where such activities would be unlawful under the laws of such jurisdiction. If you are outside of Hong Kong, please inform yourself about and observe any relevant restrictions. By proceeding with a purchase, you are representing and warranting that you are either resident in Hong Kong or the applicable laws and regulations of your jurisdiction allow you to access the information in this Website or our App and make the purchase.

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