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Change your finances, change your life First financial sector bank, Kakao Bank ■ Korea’s leading internet bank • All banking transactions can be done on mobile, 365 days a year, without visiting a branch. • Easy transfer to KakaoTalk friends even if you don’t know their account number ■ Benefits that are immediately visible • Competitive interest rates available to everyone, without complicated subscription conditions or preferential conditions • Complete daily missions in the benefits tab and receive cashback directly to your bank account. ■ Passbook that can be used and viewed together • Easily invite KakaoTalk friends as meeting members • Share balance and deposit/withdrawal status with group members in real time • Enjoy greater benefits with a check card exclusively for gatherings ■ 26-week challenge starting from 1,000 won • Savings accumulated every week for 26 weeks • With Kakao Friends support, you will reach maturity before you know it! ■ Check card that gets you back as much as you spend • Check card for everyone with cashback every time you spend • Business-only check card containing only the benefits needed by the owner • Check card exclusively for gatherings to enjoy additional fun with random cashback ■ Easy and fast home loan with chatbot • Easy application for everything from purchase funds to rent deposit and transfer. • Check the interest rate and limit that fits your loan conditions at once • Submit quickly and easily via mobile phone without the hassle of preparing loan documents ■ Start your investment life easily • Securities company stock accounts that can be compared and used at once • Invest in financial products starting with a small amount • Dollar investment that can be easily collected and freely withdrawn without currency exchange fees ■ Overseas remittance with exceptional fees • Overseas remittance (sending and receiving) available anytime, anywhere, 365 days a year • Overseas remittance possible to over 200 countries around the world through overseas accounts and Western Union (WU) • Designation of a trading foreign exchange bank and extension services can also be applied for through mobile ■ mini starting at age 7 • Manage your child’s pocket money conveniently with mini • Card that allows both payment and T-money recharge ■ Easy and convenient individual business banking for the owner • Easy business account opening and various business loan products • Provide a business-only card with only essential benefits • Support for essential business services such as tax reporting and business credit information inquiry ■ Transfer fee and ATM fee exemption • Exemption from other bank transfer and direct transfer fees • Exemption of deposit/withdrawal/transfer fees for all domestic ATMs (banks, affiliated VAN companies) * ATM/CD machine deposit/withdrawal/transfer fees may change depending on future policies. If the policy changes, we will notify you in advance through the Kakao Bank app and website one month prior to implementation. ■ Information on customer center operating hours • Deposit/savings, loan, card, app inquiries: 1599-3333 (Weekdays 08:00 ~ 19:00) • Forex, fund inquiries: 1599-3333 (Weekdays 09:00 ~ 18:00) • Inquiries about rent deposit loan and housing mortgage loan: 1599-8787 (Weekdays 09:00 ~ 18:00) • Accident report: 1599-8888 (24 hours a day, 365 days a year) ■ Information on chatbot operating hours • Kakao Talk Channel “Kakao Bank Customer Center” (24 hours a day, 365 days a year) • Chatbot consultation and agent chat consultation support ■ Information on permissions and purposes for using the Kakao Bank app • Telephone (required): Consultation connection, identity verification, and device verification • Information in installed apps (required): Prevent electronic financial transaction accidents • Camera (required): Take an ID card and submit documents, make a video call, register a profile photo, and transfer a photo. • Location (optional): Prevention of fraudulent registration and detection of fraudulent transactions • Save (optional): Save transfer/remittance/withdrawal confirmation and card sales slip. • Physical activity (optional): Walk every day and get the benefits Measure your step count * You can use the service even if you do not agree to the optional access rights. * Access permissions for the Kakao Bank app are divided into required permissions and optional permissions in response to Android OS 6.0 or higher. If you are using an OS version lower than 6.0, you cannot selectively grant permission, so we recommend checking whether the manufacturer of your terminal provides an operating system upgrade function and then updating the OS to 6.0 or higher if possible.