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Changing finance, changing everyday life A fully licensed bank, KakaoBank ■ Korea's leading internet bank • Handle all your banking on mobile 24/7, with no branch visit • Send money to KakaoTalk friends without knowing their account numbers ■ Instant benefits you can see • Competitive interest rates for everyone, with no complex conditions • Complete daily missions in the Benefits tab for cashback ■ An account to share and manage together • Invite KakaoTalk friends to your group account • Share balances and transactions with members in real time ■ A 26-week challenge starting from just KRW 1,000 • Reach your goal before you know it with Kakao Friends cheering you on! ■ A debit card that rewards your spending • Cashback on every purchase, for everyone • A group account debit card that adds fun with random cashback ■ Fast and easy mortgage loans via chatbot • Apply for home purchase, jeonse, rent deposit, and refinancing loans • Instantly check rates and limits tailored to your loan profile • Submit on mobile with no loan documents to prepare ■ A simple start to investing • Compare and open brokerage accounts in one place • Start investing with small amounts • Save and invest in US dollars with zero exchange fees ■ Overseas remittances with exceptionally low fees • Send and receive international transfers anytime, 24/7 • Transfer to over 200 countries via bank accounts or Western Union (WU) • Designate or extend your primary foreign exchange bank on mobile ■ KakaoBank mini, starting from age 7 • Manage your child's allowance with ease • A single card for both payments and Tmoney top-ups ■ Easy and convenient banking for sole proprietors • Easy business account opening and various business loans • Business-exclusive cards with only the benefits you need • Tax filing, credit checks, and other business essentials ■ Easy and convenient banking for foreigners, even if Korean is unfamiliar • Open an account and get a card with your Alien Registration Card • Use a variety of services for your financial life in Korea • AI translation in English, Chinese, and Vietnamese, plus live English support ■ Zero transfer and ATM fees • No fees for transfers to other banks or automated transfers • No deposit, withdrawal, or transfer fees at any domestic ATM (bank ATMs and partner Value-Added Network (VAN) devices) * ATM and cash dispenser fees for deposit, withdrawal, and transfer are subject to change based on future policies. If policies change, we will notify you 1 month in advance via the KakaoBank app and website. ■ Customer Center Operating Hours • Deposits and Savings, Loans, Cards, and App Inquiries: 1599-3333 (Weekdays 09:00–18:00) • Foreign Exchange, Funds Inquiries: 1599-3333 (Weekdays 09:00–18:00) • Jeonse and Monthly Rent Deposit(Registered Customer) Loans Inquiries: 1599-8787 (Weekdays & Saturday 09:00–18:00) • Incident Reporting: 1599-8888 (24/7) ■ Chatbot Operating Hours • KakaoTalk Channel "KakaoBank Customer Center" (24/7) • Chatbot and live agent chat support available ■ KakaoBank App Access Permissions and Purposes • Phone (Required): Customer service connection, identity verification, device authentication, USIM number verification, transit card (Tmoney) top-up and balance inquiry • Installed Apps (Required): Prevention of fraud in electronic financial transactions • Camera (Required): ID and document capture, video calls, profile photo registration, photo transfers • Location (Optional): Prevention of fraudulent account opening and detection of fraudulent transactions • Storage (Optional): Saving transfer, remittance, and withdrawal confirmations and card receipts • Physical Activity (Optional): Step tracking for the Walk Daily and Get Rewards feature • Bluetooth (Nearby Devices) (Optional): Identifying and connecting to nearby devices for the Meet Jordy and Get Rewards feature * You can use the service even if you do not agree to the optional access permissions.