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The free BGL BNP Paribas Web Banking app allows you toperformbanking transactions easily and securely wherever andwhenever youwant. ►FAST LOGIN
 The first time you log in, you’llneed to enteryour username and password. To log in after that,simply enter yourPIN or use your fingerprint. You can also chooseto make youronline banking transactions even more secure by usingyour LuxTrustToken or the LuxTrust Mobile app. ►INSTANT OVERVIEW OFYOURACCOUNTS Activating Express View enables you to checkyourpreferred accounts and cards without having to enter anycodes.►KEEP CHECK OF YOUR ACCOUNTS
 Set up alerts, for examplewhen: -you have been credited or debited above a certain amount; -yourbalance falls below a given amount; - you receive a messagefromyour bank, etc. Increase your credit card limit in real time:-reached your card limit? - going on holiday soon and planningextraexpenses and withdrawals? Instantly increase your credit cardlimitin tranches of EUR 100 up to no more than an additional EUR2,500(maximum period of 30 days). Do you want to open a newaccount? Doyou want to open an account in another currency or asavingsaccount? Go to Accounts and click Open a new account.►YOURTRANSACTIONS
 Make transfers or set up standing orders toyourusual payees. 
 Browse payments you have made over the lasttwoyears. Search for transactions in the account details section.Goto account transactions and enter a date, amount or key word:thetransaction you are looking for will appear in one click.►SECURITYABOVE ALL

 Use your LuxTrust Token or the LuxTrust Mobileapp tosecure your online banking operations: - save your payeedetails; -make a transfer to a new payee; - transfer amounts overEUR 5,000;- send an email to your advisor, etc. ►GENIUS Need helpbudgetingand managing your accounts? Genius is the everydayassistant thatsends you notifications and information about youraccountactivity. Receive personalised messages from Genius in yourWebBanking app. ►PERSONAL LOAN SIMULATION

 Do you have a projectordream? Simulate a personal loan or a mortgage directly in theWebBanking app to estimate your monthly repayments. Have anadvisorcall you back to discuss taking out a loan.
 ►OPTIMISEYOURINVESTMENTS Access the entire stock market through your WebBankingapp! Place your stock market orders, check your portfoliosin realtime and learn about market trends to make the rightdecisions atthe right time. ►NEED ADVICE? NEED HELP? Securemessaging lets youcommunicate with your advisor about your accountsor future plans.The Client Service can be contacted from Monday toFriday, from 8am to 6 pm. ►ABOUT BGL BNP PARIBAS – the bank for achangingworld

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Sending money around the world just got a whole lot simplerwithyour Instarem app. We provide a fast, convenient,andcost-effective way to transfer money across the globe comparedtotraditional money transfer methods. With our great FX rates,lowfees and no hidden charges, we make sending and receivingmoneyfrom overseas a breeze. Get started in 3 simple steps: •Register •Add payee • Set up a transfer APP FEATURES - Send moneyon-the-go24/7, to 55+ countries across the world - Easy sign up andlog in -Great FX rates - Low Transfer Fees - No Hidden Charges -Multiplepayment and pay-out options including card, bank, and cash.- Trackyour transfers on the go - Typically same day or nextbusiness dayinternational money transfers - View your transactionhistory,update your payee list and payment methods - Enhancedsecurity andinformation protection SPECIAL OFFERINGS - Exclusivepromotions anddiscounts - First Transfer Bonus - Referral Bonus -Prompt &friendly Customer Service teams Our Customer service isavailablevia live chat and emails. For any queries, kindlyvisitwww.instarem.com and chat to Adam, or write to usatsupport@instarem.com Regulating Authorities We’re regulatedbyleading financial regulators across the globe. You can be surewedo everything by the book! - Australia: NIUM PTY Limited(formerlyknown as Instarem PTY Ltd) is regulated in Australia byASIC (AFSLicense No. 464627) - Canada: NIUM Canada Corporation(formerlyknown as Instarem Canada Corporation) (License No.M15669293) isregulated by the Financial Transactions and ReportsAnalysis Centreof Canada - Hong Kong: NIUM LIMITED (formerly knownas InstaremLIMITED) (License No. 16/01/01797) is regulated by theHong KongCustoms and Excise Department - India: NIUM India Pvt.Ltd.(formerly known as Instarem India Pvt. Ltd.) operatesinassociation with SBM Bank and is regulated by the Reserve BankofIndia, vide its approval letter Number. SBM/Mum/RP/009 -Indonesia:PT Instarem Mitra Indonesia (License No. 21/261/Jkt/1) isregulatedby Bank Indonesia. - Japan: Nium Japan Kabushiki Kaisha(formerlyknown as Instarem Japan Kabushiki Kaisha) (registrationno: KantoLocal Finance Bureau no. 00073) is a Funds TransferServicesProvider registered with the Prime Minister under thePaymentServices Act (Act No. 59 of June 24, 2009). - Lithuania: UABNIUMEU (formerly known as UAB Instarem EU) (License No. 14)isregulated by Lietuvos Bankas (Bank of Lithuania)-Malaysia:NIUMSDN. BHD. (formerly known as Instarem Malaysia Sdn.Bhd.)Registration No. 201701000367 (1214517-X) is regulated inMalaysiaby Central Bank of Malaysia under MY License Serial Number00222. -Singapore: NIUM Pte. Ltd. (formerly known as Instarem Pte.Limited)is regulated by the Monetary Authority of Singapore as amajorpayment institution under License No. PS20200276. - UnitedStatesof America: NIUM, Inc. (formerly known as InstaremUSACorporation), operates in the United States under aprogramsponsored by Community Federal Savings Bank, to which NIUMis aservice provider (NMLS ID No. 1528562). - UK: NIUM FINTECHLIMITED(formerly known as Instarem Limited), Reference number901024, isregulated by the Financial Conduct Authority as anAuthorisedElectronic Money Institution (EMI) provider and islicensed toissue electronic money (e-money) and provide paymentservices.

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