[Brand Information]

■ CoK stands for [(Agricultural) Cooperatives of Korea] and stands for [Agricultural Cooperatives of Korea].

■ This is Nonghyup Mutual Finance’s mobile bank service that allows anyone to easily and conveniently use various financial and lifestyle services needed in daily life.

[Main Services]

■ Supports 3 banking modes.
1) Normal mode: This is the basic financial mode that allows you to conveniently access/use all services.
2) Large text mode: This is a service that provides remittance and inquiry information in large text for seniors and low vision customers.
3) Youth Mode: This is a service that provides design and various financial contents for youth customers.

■ Money transfer: You can easily log in and use the money transfer service.
1) Simple authentication customers: Can remit up to 5 million won per day
2) Mobile OTP issued customers: Can remit up to 10 million won at a time and 50 million won per day
3) Customers who register and set OTP (physical): Can remit up to 100 million won at a time and 500 million won per day

■ Quick remittance: This is a service that sets the withdrawal account, deposit account, and deposit amount in advance and sends the money quickly.

■ Inquiry: You can easily register and query Nonghyup accounts and other financial accounts.

■ Open Banking: After registering your account at another institution, inquiries and transfers are possible.
※ Limited to institutions participating in the Korea Financial Telecommunications and Clearings & Clearings Institute open banking service.

■ Financial Product Mall: You can sign up for various financial products such as bank accounts, deposits/savings, loans, funds, etc. non-face-to-face without visiting a cooperative branch.

■ Mobile Cash Card: You can pay at Hanaro Mart nationwide using your mobile phone without cash or card. (Daily limit: 500,000 won)

■ Zero Pay: This is a simple payment service for small business owners and is an account-based direct debit payment service where payment is made through QR code recognition and QR/barcode presentation. (Daily limit of 2 million won)

■ Zero Pay Mobile Gift Certificate: This is an affiliate service that allows you to purchase mobile local love gift certificates and Onnuri gift certificates and pay at Zero Pay affiliated stores.

■ My Data: This is a service that provides integrated credit management and asset management.

■ Currency Exchange: This is a service that allows you to apply for currency exchange non-face-to-face and receive it at a nearby branch.

■ Overseas remittance: This is a service that allows you to send additional money to the same recipient based on the details of your overseas remittance from the Agricultural and Livestock Cooperatives branch.

■ Foreign Currency Pocket: This is a service that allows you to exchange and store foreign currency, receive foreign currency in cash at any time, or immediately repurchase it for Korean won.

■ Gift foreign currency: You can gift foreign currency as long as you know your name and mobile phone number. Customers who receive a gift can receive it at any agricultural or livestock cooperative branch nationwide.

■ Utility bills: You can easily pay Giro, electricity bills/TV reception fees, apartment management fees, KT phone bills, local taxes, environmental improvement charges, non-tax income, water and sewerage fees, national taxes/tariffs, funds and other national treasuries, traffic fines, college tuition, national pension, integrated social insurance premiums, etc.

■ ATM withdrawal: This is a service that allows you to withdraw up to 300,000 won per account from an automated Nonghyup machine without a bankbook or card.

■ Over-the-counter withdrawal: You can visit a branch and withdraw money without a bankbook or card.

■ CoK Farm: A digital assistant for farmers and union members/associate members, it provides a variety of specialized services such as agricultural and livestock cooperative news, non-face-to-face registration for associate members, duty-free oil status inquiry, and agricultural product shipment details.

■ CoK Shopping: A pan-Nonghyup digital shopping channel where you can easily purchase fresh agricultural and livestock products, home appliances, and household goods from Nonghyup.

■ CoK Benefits: This is a digital lifestyle/affiliate channel where you can use a variety of services convenient for daily life.

[Access rights information]

■ Required access rights
- Photos and videos: Used to save bankbook cover images, remittance details, and QR code images.
- Phone: To prevent electronic financial fraud, such as ARS authentication and mobile phone identity verification, mobile phone status and device information are accessed and mobile phone numbers are collected.
- List of installed apps: Check smartphone app installation information to detect malicious information to prevent electronic financial transaction accidents. (Use is restricted when an app requiring attention is detected) 
※ Required access rights are required to use the service, and if not permitted, use of the service will be restricted.

■ Optional access rights
- Address book: Used for mobile phone transfers, foreign currency gifts, etc.
- Camera: Used for image taking, ID taking, QR code recognition, etc.
- Microphone: Used for voice transfer and voice search.
- Notification: Used for PUSH notifications about deposits/withdrawals, event information, etc.
※ You can use the service even if you do not agree to the optional access rights, but there may be restrictions on the use of some functions.

[Usage Guide]
- Target audience: Customers who have a deposit/withdrawal account at Nonghyup or another bank
- Usage hours: 24 hours (excluding some services)
- Inquiries: Smart Counseling Center 1600-2800 (Weekdays 9:00~18:00)
- Minimum supported OS: Android 6.0 or higher