JBOne App vs Shalemli

Introducing Julius Baer JB One: THE JB ONE APP IS EXCLUSIVELY AVAILABLE TO EXISTING CLIENTS AND MIGHT BE SUBJECT TO COUNTRY SPECIFIC RESTRICTIONS Experience the art of refined and secure digital solutions, crafted with a global outlook. Our innovative app, combines personalized support and comprehensive financial oversight, designed exclusively for our clients who value transparency, connection, and consistency. With JB One, Julius Baer extends its philosophy of long-term thinking, personal relationships, and global perspective into a discreet and seamless digital experience. Enjoy reliable access to our digital capabilities with our user-friendly app available in six languages. Highlights include: – Clear, and intuitive interface – Access tailored to your preferences and habits – Developed with privacy and discretion at its core – Available in English, German, French, Italian, Spanish and Portuguese – Part of Julius Baer’s vision to simplify and unify your digital journey System Requirements: iPhone and iPad with iOS 17 or later Please note that by downloading, installing and/or using this application you allow and give your consent to Julius Baer and/or third parties (e.g. app store and network operators or the manufacturer of your device), wherever they are located, to access and process your data and/or to conclude that a current, past or potential bank client relationship with Julius Baer may exist and/or to draw conclusions as to your existing or potential investments. Bank client confidentiality and/or data protection can no longer be guaranteed in the event of such possible disclosure of data and/or the bank client relationship. IN THIS REGARD, BY DOWNLOADING, INSTALLING AND/OR USING THIS APPLICATION, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTOOD THIS NOTICE AND RELEASE JULIUS BAER FROM ITS DUTY TO MAINTAIN BANK CLIENT CONFIDENTIALITY AND/OR DATA PROTECTION AND EXPRESSLY FULLY APPROVE THE RESPECTIVE COLLECTION, TRANSFER AND PROCESSING OF DATA IN COMPLIANCE WITH THE APPLICABLE LAWS. Asia By downloading and using this App, you expressly acknowledge that you are permitted by the laws of your domicile to use the App and access any of the services provided therein and you do so at your own will and not at the request of Julius Baer, and you agree to be bound by the terms and conditions relating to the App. Chile The Bank has its headquarters in Switzerland and its operations are subject to the laws, regulations and courts of Switzerland. The Bank is not subject to Chilean authorities and its operations are not covered by the guaranty of the Republic of Chile.

Shalemli is a private expense ledger for sharing money with people you actually trust — your partner, a roommate, parents, kids, a group of friends with a recurring split, or just yourself. HOW IT WORKS: • Sign in with your phone number — verified by SMS. • Open a channel with one person, or invite a small group. • When one of you pays for something shared in the real world, log it. The other side gets a notification and approves or declines. • The running balance updates ONLY after approval — so the number is always one everyone agreed on. • Settled outside the app? Mark the balance as settled inside Shalemli to keep the ledger honest. Cash, bank transfer, payment apps — Shalemli doesn't move money, it just keeps the score. THREE WAYS TO USE IT • ONE-ON-ONE — split the rent with a roommate, run a fair "who paid last time" with a partner, settle a long tab with a parent. • GROUPS — split a vacation, a household, or a recurring outing across 3 or more people. The group leader sees the math; everyone sees their share. • PERSONAL TAB — track your own running expenses against a place or person (the corner shop, a babysitter, a coffee tab) and close the cycle when you pay it off. PRIVACY Everything is linked to your phone number. No analytics, no ads, no tracking, no third-party sharing. Receipts stay inside your channel and only the people in that channel can see them. Export every record to JSON or delete your account from Settings any time. DESIGNED FOR HEBREW AND ENGLISH Full right-to-left Hebrew with shekel formatting. Switch languages in Settings; the data is the same.