롯데캐피탈 모바일뱅킹 1.3.9

Service Guide

• One-stop Credit Loan with an App
• Optimal limit and interest rate without complicated information input
• Apply for a loan, submit identification and documents through the app

• Additional Loan Benefits with Lotte Capital Credit Loans
• Customers utilizing existing Lotte Capital credit loans can apply for additional loans
• Check additional limit, interest rate, apply, and receive immediate deposit upon completion

• When You Need a Car
• Easily check vehicle estimates, apply for car installments, and leases
• Easily and securely transmit various documents required for vehicle installments and leases

• Simple Management of My Loans
• Review all current loan details at once and immediately make repayments
• Easily and securely store loan-related document issuances

• Convenient Usability
• User-friendly screens and design systems that are easy to understand
• Provide various home screens tailored to user situations

[Service Information]

Please note that Toss certification or joint certification is required for various transaction services. Joint certification stored on a PC can be brought to a smartphone for usage.

※ How to bring it from a PC: PC homepage (Joint Certification Center > Export Joint Certification > Copy Joint Certification > Select Lotte Capital Mobile Banking App > Joint Certification Center > Import Joint Certification)

Please be aware that additional charges may occur depending on the subscribed data plan when using the service via mobile networks (3G/LTE/5G).

For further service guidelines and inquiries, please contact 'Customer Center > ARS Service'.

[App Permissions]

• Necessary Access Permissions:
• Phone: ARS verification
• SMS: Sending authentication messages
• Camera: Taking ID photos when applying for a loan
• Storage: Temporary storage and deletion of ID photos
• Optional Access Permissions:
• Location: Taking photos for lease property inspections (Optional permissions are not required to use the app.)

[Loan Information]

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• [Loan Repayment Period: 12-120 months
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• [Annual Percentage Rate: 7.4%-18.9%
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• * Differential depending on product and individual credit score, additional 3% overdue interest rate if in default (within legal maximum rate)
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• [Early Repayment Fee: Maximum 2.0%
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• * Exempt from early repayment fees if transacted for over 3 years from the loan handling date
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• [Transaction Fee: None
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• [Stamp Duty: Legal stamp duty of 70,000 KRW for loan amounts exceeding 50 million KRW (customer's share 35,000 KRW) [However, we cover the entire stamp duty for refinancing loans]