디지털페퍼 (페퍼저축은행) 1.0.27

◆ Digital Pepper (Pepper Savings Bank) Key Services Information

• Non-face-to-face account opening - Open a deposit Passbook with easier and faster access to higher interest benefits through non-face-to-face real-name verification
• Simple authentication service - Easy and secure login and electronic signatures via pattern, PIN, and bio-authentication
• Easy transfer - Transfer to KakaoTalk friends without knowing the account number, making transfers easier and faster with simple authentication
• Automatic credit review loan - Instantly check your limit, apply for recommended loan products that suit you, and receive funds from application to disbursement at once
• Non-face-to-face business mortgage loans - Easily check property values for complex mortgage loans, apply through the app, and even set up electronic registration
• Mobile document submission/certificate issuance - Submit necessary documents for deposits and loans, issue certificates all at once without the need for phone applications
• Pepper Life Service - Open Banking > View all my accounts on Digital Pepper, use 'Bring' when funds are insufficient - My Credit Management Service > Manage and view my credit score for free, thoroughly check the credit analysis report - Loan Limit Subscription Service > Receive regular alerts on my limit without the need to check every time - Real Estate Price Inquiry Service > Check property prices from villas to multi-family homes by simply entering the address

Key information:

• Usage is only possible on one app that has been through a personal authentication process
• Upon completing registration and account opening, various services become available
• Conducts investigations on credit order disturbances
• (To prevent voice phishing for customers using the Digital Pepper app through malicious app detection) Items: Malicious app detection information, diagnostic information on detected malicious apps

App Permissions and Purposes:

• Phone and Contacts (Required): Connect to customer service, send SMS
• Notifications (Optional): Receive push messages
• Camera and Photos (Optional): Take ID photos and submit documents
• Biometrics (Optional): Easy login
• Location (Optional): Find ATMs near me

[Pepper's Parking Book 4]
- Product Name: Pepper's Parking Book 4 (Deposit/Withdrawal Book)
- Eligibility: Individuals aged 19 years or older with real names (1 account per person)
- Base Interest Rate: Differential rate applied by amount range, up to 5 million won annual interest rate of 2.2%, over 5 million won annual interest rate of 1.0% (pre-tax, variable rate)
- Interest Payment Date: Calculates interest on the last Saturday of each quarter as the basis date for the next day's principal addition
- This product is a non-face-to-face exclusive product that can be subscribed through the Digital Pepper app.

Precautions:
- This deposit is protected by the Deposit Insurance Act. The protection limit is the total of the principal and specified interest of all your deposit protection eligible financial products in this mutual savings bank. It applies as "up to 50 million won" per person, and any amount exceeding 50 million won is not protected.
- Before signing a contract, please review the product explanation and terms. You have the right to receive sufficient prior explanations about the product and should proceed with transactions only after understanding them.
- As interest rates may vary, please refer to the website or app for updates.

[Pepper's Credit Loan]
- Product Name: Pepper's Credit Loan
- Interest Rate: Min annual rate of 6.9%~max of 19.9%
- Limit: From 1 million won to 100 million won
- Loan Period: From 1 year to 10 years
- Loan Target: Individuals over 19 years old with job health insurance subscribers
- Repayment Method: Equal installment payment of principal and interest
- Interest Billing Date: Monthly payment date and loan maturity date
- Default Interest Rate: Loan agreement rate +3% annually (within a maximum annual cap of 20%)
- Early Repayment Penalty: Within 3 years at a maximum of 1.9% (applied differentially based on remaining days/varies with residual days included within an annual cap of up to 20%)
- Handling Fee: None
- Additional Costs: Indebtedness tax (over 50 million won / 50% of the amount stated in the Indebtedness Tax Act)
- Loan cost example: When borrowing 1 million won at an annual rate of 6.9% over a period of 12 months with equal installment repayment method results in a total repayment of 1,037,768 won (the actual loan may incur differences)

Important Information for Credit Loans:
- The loan interest rate is based on a three-month cycle variable rate set as benchmark rate+additional rates.
- The benchmark rate applies the weighted average rate of regular deposits in Pepper Savings Bank for three previous months before handling month based on balances. (Refer to monthly variable rates under notifications in Digital Pepper APP/WEB Customer Support -> Notices)