By placing your deposits with WB Finance, you will enjoy benefits such as:

• Making a real contribution to economic development and poverty reduction in Cambodia.
• Earning up to 11%. The longer you invest the higher interest rate you get. Interest is calculated daily and paid monthly or on maturity date.
• Reaching your social and financial goals.
• Safety for your cash.
• Fast & convenient customer service.

For individual (Cambodian), you must have the following documents:

• Cambodian identification card, or
• Passport which is valid for at least 3 months, or
• Driving license, or
• Family book: (for family member, attach other documents with portrait such as voter ID, vehicle registration card, employment card, etc.)

For foreigners living in Cambodia, you must have the following documents:

• Passport which is valid for at least 3 months, and
• Either rental contract or employment contract

For corporations/organizations, clients must have the following documents:

• Memorandum and articles of association;
• Business registration certificate;
• Authorization Letter;
• Identification card/passport of authorized signatories
• Other documents (if available).

Yes, you can choose to hold an account personally or open a joint account consisting of account holders up to a maximum of three people.

You can open an account either in local currency Khmer Riel (KHR) or United States dollar (USD).

The Hope Savings Account is a voluntary savings account which provides the convenience to save with any amount at any time. With this account, customers can:

• Save with small amounts anytime based on the needs of their business or personal savings
• Withdraw anytime during working hours
• High annual interest rate compared to the market (4.5% for KHR or 3.5% for USD)

Fortune Deposit Account (FDA) is a contract account with specific terms which responds to the needs of customer(s) who have specific financial investment plans. With this account, the customer is smartly investing over different terms based on his/her needs, such as over 1, 3, 6, 9, 12, 18, 24 and 36 months, with the highest return from the annual interest rate. Through this savings, the customer will become the indirect contributor to social development in the welfare of children’s lives with WB Finance. The FDA is designed to fit your needs to obtain full interest at maturity or monthly interest.

You can choose any term as preferred such as 1, 3, 6, 9, 12, 18, 24 and 36 months.

Yes, you can open more than one account with WB Finance.

Yes, your interest earning is subject to withholding tax based on a specific prevailing rate determined by General Department of Taxation, Ministry of Economy and Finance, Royal Government of Cambodia from time to time. Currently, withholding tax of six percent (6%) is applied on resident customers and fourteen percent (14%) on non-resident customers. Therefore, only net-off amount after tax is paid out.

• You can withdraw at any time during working hours for your HSA.
• You can withdraw your principles and interest at maturity date when your account FDA is matured if without an automatic roll over.

Yes, it is. With FDA, you can choose an option of “Automatic Roll Over” during account opening or inform WB Finance’s staff to set this option for you during one day before the FDA is matured. You can also renew your deposits for any term (1, 3, 6, 9, 12, 18, 24 or 36 months) upon request. Two options for contract roll-over are available:

• Roll-over both principal and interest or
• Roll-over only principal

You need to inform WB Finance’s staff in advance with at least one working day notice before the maturity date for any change by calling or email or visiting at our office.

Call center: 023 96 3333

Email: info@wbfinance.com.kh

Please see the answer to #12 above.

You can prematurely withdraw your FDA-Normal only by notifying WB Finance staff at your deposit branch in advance with at least 1 working days’ notice. The interest will be zero if the withdrawal takes place less than 30 days (<30 days). For premature withdrawal transacted equal to or more than 30 days (≥ 30 days), the prevailing interest rate of Hope Savings Account will be applied. However, for FDA-Fixed, you are not allowed to premature by following terms and conditions.

You need to immediately notify WB Finance and request for a new one. You are totally responsible for any liability that may incur prior to such notice. In this case, you need to pay an administrative fee determined by WB Finance.

Kindly bring your Savings Passbook and Certificate of Deposit (for FDA) with you whenever you need to do any transactions on your account.

Account Statement or Account Balance Confirmation is offered upon request with an administrative fee determined by WB Finance.

For those who reside abroad, please visit our website at www.wbfinance.com.kh and download the relevant application forms. Scan and send the completed forms to WB Finance via email. You shall then be contacted by our staff for further instructions. https://www.wbfinance.com.kh/form

You can transfer your money to our bank account. The deposit is effective once the remittance is processed and you will be responsible for any bank and fee charges. For more details, please contact our staff at info@wbfinance.com.kh or (855) 23 96 3333.

Please contact our staff for further information about this at info@wbfinance.com.kh or (855) 23 96 3333.