Experience Kiwibank, a service from KB Savings Bank that helps you grow your assets and provides valuable services.
Easy and convenient access to financial services like deposits and withdrawals, savings, installment savings, loans, and cards!
Enjoy a wealth of benefits, from Kiwi Membership just by signing up to a variety of events!

● Convenient and Diverse Kiwibank Financial Services
∙ Explore and choose from a variety of financial products to create a financial plan that's right for you!
∙ Open an account quickly and easily, anytime, anywhere, with just your ID, smartphone, and bank account number.
∙ Register accounts from other financial institutions on Kiwibank and freely use them for inquiries and transfers.
∙ Earn daily interest and enjoy high interest rates with a parking account.
∙ You can even access transactions from more than one year ago. Conveniently check your transaction history without any viewing period restrictions.

● Loan inquiries and loan applications anytime, anywhere!
∙ Loan limit inquiries are also available 24/7, 365 days a year! ∙ Check your loan limit and quickly apply for a loan without face-to-face contact!

● No more complicated services! Convenient with our simple authentication service!
∙ Sign up for banking without the hassle of ID/PW entry, and access all banking services with just biometric authentication and a simple PIN.
∙ Transfer up to KRW 100 million (once per day) to your designated account without complicated public certificates or security measures.
∙ Instant transfers are quick and easy with biometric authentication and a simple PIN!

● Don't miss out on the various benefits of KB Savings Bank and KB Financial Group.
∙ Enjoy the various benefits of kiwi membership just by signing up.
∙ Earn daily attendance points and receive various monthly gifts!
∙ Collect and use your KB Financial Group integrated points like cash!

● Kiwibank makes your everyday life more convenient!
∙ Easily issue certificates without visiting the bank. (Direct download or fax)

∙ Anyone can verify the authenticity of a mobile certificate by scanning the electronic seal (QR code) in the Kiwibank app without logging in.
∙ With the Dutch Pay service, easily split the money you spend together and express your feelings by sending condolence money!

■ A parking account that earns interest every day! Kiwi Pang Pang Account
∙ Product Name: Kiwi Pang Pang Account
∙ Eligibility: Individuals aged 19 or older (1 account per person)
∙ Interest Rate: ① KRW 100 million or less: 2.0% per annum, ② KRW 100 million or more: 1.3% per annum
∙ Interest Rate Standard: As of April 9, 2025, before tax
∙ Interest Payment: The last day of each month (including holidays) is the settlement date, and interest is added to the principal on the following day (the first day of each month) or on the date the customer requests interest payment.

※ Financial Transaction Precautions
* Please review the product description and terms and conditions before signing the contract. * You have the right to receive a sufficient explanation of the product in advance. Please understand the explanation before making a transaction.
* Preferential interest rates (annual, before tax) are provided when the following conditions are met (applies only to purchases of KRW 100 million or less):
① +0.2% p.a. when signing up for Kiwi membership or agreeing to receive marketing (both text and app push notifications)
② +0.1% p.a. when registering two or more automatic transfer withdrawal transactions
③ +0.2% p.a. when transferring to your Kiwibank account or another bank account at least once a month using the Kiwibank app
* Preferential interest rates do not apply for the first month of new account sign-ups. However, if you were already a Kiwi membership or marketing subscriber as of the end of the previous month, the preferential interest rates will apply.
* Transfer and withdrawal limits are restricted upon account opening to prevent financial fraud. To remove these limits, go to [Kiwibank App - My Menu - Remove Limit] and confirm your financial transaction purpose. * This deposit is protected by the Depositor Protection Act, including the principal and interest (up to KRW 100 million per person, combined with other protected products offered by this mutual savings bank).
* Interest is paid on the first day of each month (the first day of each month) or on the date the customer requests interest payment, with the last day of each month (including holidays) as the settlement date.
* Principal and interest payments may be restricted if a seizure, attachment, or lien is registered on the account.
* This account cannot be opened as a tax-exempt comprehensive savings account.
* For further information, please contact Kiwi Bank Customer Center (☎1899-0900, Weekdays 09:00-18:00) or visit the Kiwi Bank app or KB Savings Bank website.

■ KB Savings Bank's flagship credit loan product! Kiwi Credit Loan
∙ Product Name: Kiwi Credit Loan
∙ Eligibility:
ㆍ Employed individuals or self-employed individuals with at least 3 months of employment and an annual income of at least 12 million won
ㆍ Domestic citizens aged 20 or older who can provide proof of income
ㆍ Customers with a KCB personal credit score of 475 or higher
∙ Loan Limit: Minimum 3 million won ~ Maximum 100 million won
∙ Loan Interest Rate: Minimum 6.9% ~ Maximum 19.9% per annum (as of April 29, 2025)
∙ Calculation Criteria: Base rate (cost of funds, etc.) + interest rate surcharge (differentiated based on customer credit score, etc.)
∙ Loan Term and Repayment Method
ㆍ Lump sum repayment at maturity: 1 year (extendable up to 5 years)
ㆍ Equal principal and interest installment repayment: Minimum 6 months ~ Maximum 84 months
ㆍ Interest Charge Period: Monthly arrears
∙ Early repayment fee: Prepayment Loan Amount x Prepayment Fee Rate (1.48%) x Number of Days Remaining / Loan Agreement Period (For new loans issued on or after January 13, 2026) (However, the prepayment fee applies to repayments made within 3 years of the loan date and is waived for loans with a remaining loan period of less than 1 month.)
∙ Default Interest Rate: Affordable Loan Interest Rate + Default Penalty Interest Rate (3%) (※ Default Interest Rate Maximum: 20% per annum)
∙ Stamp Tax: Stamp tax applies for loan amounts exceeding KRW 50 million (each 50% is borne by the customer and savings bank).

※ Financial Transaction Precautions
* Loan limits and interest rates vary depending on your credit score.
* Please review the product description and terms and conditions before signing a contract.
* You have the right to receive a thorough explanation of the product in advance. Please understand the explanation before making a transaction.
* Excessive borrowing may lower your credit score. * A decline in your personal credit score may result in restrictions or disadvantages in financial transactions.
* Defaults may result in obligations to repay the principal and interest before the end of the contract term.
* KB Savings Bank offers various credit loan products, and each product has different terms and conditions, including eligibility, limits, and interest rates.
* For further information, please contact the loan customer service center (☎1899-0085, Weekdays 09:00-18:00) or visit the Kiwibank app or KB Savings Bank website.

■ Kiwibank only requests the necessary permissions.
[Required Access Permissions]
∙ Phone: Verify your phone number for mobile phone authentication and access your phone's status and device information.
∙ Storage: Access to device photos, media, and files. This is used for services such as certificate storage, document submission, and document storage.
∙ Installed Apps: This is used to detect potentially threatening applications installed on your smartphone to prevent electronic financial transaction incidents. [Optional Access Permissions]
∙ Camera: Used for services such as taking photos of ID cards and QR codes for certificates.
∙ Contact List: Used to view and access the device's contact list information, such as for phone number transfers, managing group accounts, and sending transfer results via SMS.
∙ Contacts: Used to retrieve device contact information, such as for phone number transfers, managing group accounts, and sending transfer results via SMS.
∙ Notifications: Used to receive push notifications for useful products, services, events, and various financial benefits.

※ You can still use Kiwibank without consenting to optional access permissions, but some services may be restricted.

● For inquiries about Kiwibank, please contact Customer Service (☎1899-0900, Weekdays 09:00-18:00) or visit the Kiwibank app or KB Savings Bank website.

Korea Savings Banks Association Review No. 2025-00146 (February 11, 2025 - February 10, 2025)
KB Savings Bank Compliance Officer Review No. 2026-B0058 (January 22, 2026 - January 21, 2027)