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Transforming Finance, Transforming Lives Kakao Bank, the Leading Bank in the Financial Sector ■ Korea's Leading Internet Bank • All banking transactions on your mobile phone, 365 days a year, without visiting a branch • Easy transfers to KakaoTalk friends, even if you don't know your account number ■ Visible Benefits • Competitive interest rates for everyone, without complicated sign-up requirements or preferential terms • Complete daily missions in the Benefits tab and receive cashback directly to your account ■ Shared Accounts • Easily invite KakaoTalk friends to join your group • Share balances and deposits/withdrawals with group members in real time • Enjoy even greater benefits with a group-exclusive check card ■ A 26-week challenge starting with just 1,000 won • Build up your savings account every week for 26 weeks • With the support of Kakao Friends, reaching maturity is within reach! ■ Check Cards That Pay You Back • Check cards for everyone that give you cashback on every purchase • Check cards exclusively for business owners, with the benefits you need • Check cards exclusively for groups that offer random cashbacks ■ Quick and easy home loans with a chatbot • Apply easily for everything from purchase funds to monthly rent deposits and even refinancing • Check interest rates and limits that best suit your loan requirements all at once • Submit quickly and easily via mobile without the hassle of preparing loan documents ■ Investing with ease • Compare and use securities accounts in one place • Start investing with small amounts of money • Invest in financial products with dollars, saving easily and withdrawing freely without foreign exchange fees ■ Overseas remittances with exceptional fees • Overseas remittances (send and receive) available anytime, anywhere, 365 days a year • Send money to over 200 countries worldwide through overseas accounts and Western Union (WU) • Designate a foreign exchange bank and apply for extensions on your mobile phone ■ Mini for ages 7 and up • Manage your child's allowance conveniently with mini • A card that allows for both payments and T-money recharges ■ Easy and convenient self-employed banking for business owners • Easy business account opening and a variety of business loan products • A business-specific card with essential benefits • Support for essential business services such as tax filing and business credit information inquiries ■ Waived transfer and ATM fees • Waived fees for transfers from other banks and automatic transfers • Waived deposit/withdrawal/transfer fees at all domestic ATMs (banks and affiliated VANs) * ATM/CD deposit/withdrawal/transfer fees are subject to change based on future policy. Any policy changes will be announced one month prior to implementation through the Kakao Bank app and website. ■ Customer Center Operating Hours • Savings/Time Deposits, Loans, Cards, and App Inquiries: 1599-3333 (Weekdays 8:00 AM - 7:00 PM) • Foreign Exchange and Fund Inquiries: 1599-3333 (Weekdays 9:00 AM - 6:00 PM) • Monthly Rent Deposit Loans and Mortgage Loans: 1599-8787 (Weekdays 9:00 AM - 6:00 PM) • Accident Reports: 1599-8888 (24/7, 365 days a year) ■ Chatbot Operating Hours • KakaoTalk Channel "Kakao Bank Customer Center" (24/7, 365 days a year) • Chatbot and live chat support ■ Permissions and Purposes for Using the Kakao Bank App • Phone (Required): Connecting to customer service and identity verification, device authentication, USIM number verification, and recharging/inquiry of transportation cards (T-Money) • Within installed apps Information (Required): Preventing electronic financial transaction fraud • Camera (Required): For ID photo capture and document submission, video calls, profile picture registration, and photo transfers • Location (Optional): For fraudulent sign-up prevention and fraudulent transaction detection • Storage (Optional): For transfer/remittance/withdrawal confirmations and card sales slips • Physical Activity (Optional): For daily walks and benefits, measure your step count * You can still use the service without consenting to optional access permissions. * The Kakao Bank app's access permissions are divided into required and optional permissions, compatible with Android OS 6.0 and higher. If you're using an OS version lower than 6.0, you cannot grant optional permissions. Therefore, we recommend checking with your device manufacturer to see if they offer an OS upgrade feature and, if possible, updating to OS 6.0 or higher.