키위뱅크(KB저축은행)

■ Kiwibank main service information
∙kiwibank open banking
- Register an account with another financial institution at kiwibank, and freely view and transfer transactions!

∙Opening a non-face-to-face account (kiwi deposit and withdrawal account)
-Open an account quickly and easily if you have an ID, smartphone, and commercial bank account number!
- You can also open a business if you have business information and an accredited certificate currently in business!

[kiwi deposit and withdrawal account]
- Eligibility: Individuals 19 years of age or older or individual entrepreneurs
- Basic interest rate (before tax, % per annum): 1.3% below KRW 200 million, 0.2% above KRW 200 million
※ A separate interest rate is applied to the daily final deposit balance
- Preferential interest rate (before tax, % per annum): Debit card preferential rate: 0.2%p per annum
- Preferential conditions: If there is at least one payment result with 「KB Kookmin Kiwibank Check Card」 to this deposit in the last 3 months as of the end of the month in which the interest settlement date belongs (February, May, August, November) (regardless of the amount) none)
- Limit of preferential application: The basic interest rate and preferential interest rate are combined and applied to the daily final deposit balance during the interest calculation period up to KRW 1 million. For amounts exceeding KRW 1 million, the basic interest rate is applied.
※ The interest rate may change in the future depending on the time of subscription as of March 25, 2021.
- Final interest rate (before tax, % per annum): Minimum 0.2% per annum ~ 1.5% per year at maximum
※ The highest interest rate is when the check card preferential rate (0.2%p per annum) is applied.
- Yield: For general taxable cases, the withholding tax rate (15.4%*) is deducted from the interest income for which the interest rate is calculated.
※ 14% of interest income + 10% (1.4%) of interest income tax
- Tax benefit: Cannot join as tax-free comprehensive savings
- Pledge setting: No
- Restriction on payment of principal and interest: Principal and interest payments may be restricted if seizure or provisional seizure is registered in the account
- Interest payment period: Principal is added on the following day based on a certain day of the last month of every quarter (the previous business day if it is a holiday)
- Restrictions on use: In the case of an account opened exclusively for individual business owners, "KB Kookmin kiwibank check card" issuance and preferential rates cannot be applied.
※ Deposit balance cannot be changed on the day of issuance of the deposit balance certificate.
※ This deposit is protected by the Korea Deposit Insurance Corporation in accordance with the Depositor Protection Act, but the protection limit is “maximum KRW 50 million” per person, including the principal and predetermined interest of all your financial products subject to deposit protection in this mutual savings bank, 5 The remaining amount in excess of 10 million won is not protected.
※ From July 12, 2020, the product name of ‘KB Good Mobile Account’ has been changed to ‘kiwi Deposit and Withdrawal Account’. Customers who have previously signed up for 'KB Good Mobile Bankbook' will also change the product name to 'kiwi Deposit and Withdrawal Account', and the product contents of 'kiwi Deposit and Withdrawal Account' will be applied.
※ Please check the product manual and terms and conditions before signing the contract.
※ You have the right to receive a full explanation of the product in advance, and please make a transaction after understanding the explanation.

∙Simple authentication service
- Easily sign up for banking without cumbersome ID/PW input, and use all banking services only with biometric authentication and simple password (PIN)
- Can transfer up to 100 million won (per day/one time) to my designated account without complicated public certificates or security media

∙Voice Banking
- Voice login service that registers a voice with your own phrase and authenticates it with your own voice only
- Easily transfer with your voice. Now even senior customers are convenient!

∙Shake it!- Shake it if there is a menu you want. Quickly navigate to preset menus.

∙Dutch Pay, sending money for congratulations and condolences
- With the Dutch Pay service, you can easily share the money you spend together, and express your feelings by sending condolences and condolences!

∙Mobile certificate
- Issuance of certificates easily without visiting the bank (direct download or fax transmission)
- Anyone can check the authenticity of the mobile certificate by recognizing the electronic seal (QR code) in the kiwibank app without logging in.

∙ kiwi membership
- Enjoy the various benefits of kiwi membership that you can enjoy just by signing up.

■ Permissions and purpose of using the kiwibank app
∙Notification (optional): Receive push message
∙Camera (optional): ID photo shoot, certificate QR code photo shoot
∙Contact (optional): phone number transfer, safe transfer, SMS sending after transfer completion, meeting account management
∙Microphone (optional): voice authentication, voice transfer
∙Album (optional): Profile photo registration, document submission
※ You can use kiwibank even if you do not agree to the optional access right, but the use of some services may be restricted.

■ If you have any questions about kiwibank, please contact the customer center (1899-0900). (Consultation available hours: Weekdays 9:00 to 18:00)

Korea Savings Bank Federation Review No. 2021-00848 (2021.06.24)
KB Savings Bank Compliance Officer Shim Eui-pil No. 2021-209 (2021.06.22)