We will strive to provide safer and more convenient services to our Moa Digital Bank customers. [Services Provided by Moa Digital Bank]

• Non-face-to-face Account Opening Service: Opening of free deposit and withdrawal accounts via non-face-to-face identity verification (procedures vary by product)

• Transfer Convenience Service: Easy and fast remittances available via direct transfers, scheduled transfers, etc.

• Financial Product Mall: Offering various financial products such as loans for office workers, business owners, and housewives, and e-Moa Fixed Deposit.

[Moa Digital Bank Digital Authentication Service]

• Easy login via simple password, pattern authentication, or biometric authentication

• Moa Banking services available without visiting a branch

[Moa Savings Bank Credit Loan for Office Workers (Mideul Loan)]

• Eligibility

- Customers aged 19 or older who can provide proof of income

- NICE credit score of 600 or higher

• Loan Limit

- 3 million KRW to 50 million KRW

(Varies based on personal credit score and income)

• Loan Term

- Equal installment repayment of principal and interest: Minimum 12 months to maximum 84 Months

• Interest Rate Type
- Fixed Rate

• Loan Rate
- Minimum 13.9% per annum ~ Maximum 19.9% per annum (As of April 1, 2026)

(Varies based on personal credit score and income)

• Repayment Method
- Equal Installment Repayment of Principal and Interest: Repayment of principal and interest in equal installments over the loan period

• Interest Payment Method
- Monthly deferred payment

• Fees
- Handling Fee: None

• Early Repayment Fee
- Early Repayment Fee: Early repayment amount x Early repayment fee rate (1.6%) x (Remaining loan period / Loan period)

* Exemption Criteria: Early repayment fee waived after 3 years from the loan origination date

• Required Documents
- ID card, proof of income, etc.

• Delinquency Rate
- Loan Rate + 3% (Max. 20% per annum)

• Stamp Duty
- None

• Loan Interest Rate Calculation Criteria

- Loan Interest Rate = Base Rate + Spread

- Base Rate: Cost of Funding

- Spread: Applied differentially based on the Bank's internal rating, etc.

• Important Notes

- Loans may be rejected based on internal screening criteria.

- Please review the product description and terms and conditions before signing the contract.

- You have the right to receive sufficient prior explanation regarding this product; please proceed with the transaction after understanding the explanation.

- Excessive borrowing may cause a decrease in your personal credit score.

- A decrease in your personal credit score may result in restrictions or disadvantages in financial transactions.

- In the event of delinquency, you may be obligated to repay the principal and interest before the contract period expires.

- Interest rate information is calculated based on the reference date stated in the advertisement; detailed interest rate information can be checked on the Moa Savings Bank website or at a branch.

- For further details, please contact the Customer Center (1566-0007).

[Moa Savings Bank Customer Center]

- Electronic banking, deposit inquiries, and loan inquiries: 1566-0007 (Weekdays 9:00 AM - 6:00 PM)

[Information on Moa Digital Bank Usage Permissions and Purposes]

• Essential Access Permissions

- Use of photos, media, and files: Permission used for storing joint certificates and for the joint certificate security module.

- Making phone calls and calls: Permission to process the direct call button to branches, etc.

• Reviewed by the Compliance Officer

- No. 2026-195 (March 31, 2026 – March 30, 2027)

• Reviewed by the Korea Federation of Savings Banks

- No. 2026-00238 (March 11, 2026 – March 10, 2027)