The man's exaggerated, slightly creepy smile at the beginning.

The ad opens with a couple, a woman and a man, smiling and looking off-screen. The man then turns to the camera with a wide, somewhat unsettling smile. The scene shifts to two women reacting with surprise and amusement. The man's smile is highlighted again. The ad then transitions to a smartphone displaying the Hello bank! app and a credit card, followed by graphics showing monetary offers and the Hello bank! logo. The pacing is quick, with rapid cuts between scenes.