JB우리캐피탈

■ Key Features ◾ View your financial status at a glance View and manage all your financial products in one app. ◾ 24/7 loan application and management all in one place Apply for personal loans and new/used car financing directly from your mobile phone, and handle everything from contract management to post-contract management. Apply for auto collateral loans and credit loans anytime, anywhere, and see quick results. ◾ New Loan Application Resume Feature Resume interrupted loan applications with this feature. ◾ Long-term Car Rental and Car Lease Self-Quote Check Compare and select quotes for long-term car rentals and car leases directly. ◾ Easy Login and Fast Processing Log in quickly using various methods, including biometric authentication and PIN, and issue documents, check payments, and manage your vehicle all from your mobile phone. ■ Services Provided ◾ 'Financial Products' tab: View various loan products and quotes at a glance - Compare a wide range of financial products, from credit loans to auto loans, auto financing, real estate financing, and corporate financing, and easily apply for them on your mobile device. - The self-quote feature allows you to calculate and select the product that best suits your needs. ◾ 'My Finance Management' tab: View and manage all your financial products at once - View your current loan products on a single screen and check detailed information, including balances, payment history, and payment schedules, in real time. - Manage key loan-related features, such as loan repayment schedules, early repayment requests, and extension availability. ◾ 'Customer Center' tab: Quickly resolve your questions and provide a variety of customer support features - Quickly and easily resolve any questions you have about your finances, from frequently asked questions (FAQs) to consultation requests and branch location information, all on your mobile device. ※ Availability of some products and services may be restricted depending on our internal standards. [App Access Permissions] ※ Required Permissions • Phone: Consultation request and connection • Storage: Joint certificate storage and secure media access • SMS: Identity verification text message transmission ※ Optional Permissions • Notification Service (PUSH): Provides notifications for information, benefits, events, etc. • Camera: Takes ID photos • Photo Library: Uploads images (You can still use the app without consenting to optional permissions, but some features may be restricted.) [Loan Information] • Loan Repayment Period: 12 to 60 months • Annual Interest Rate: 12% to 19.9% ​​(Interest rates vary depending on the customer's credit score, etc.) • Default Interest Rate: Agreed Interest Rate + Up to 3% (but within the maximum legal interest rate) • Early Repayment Fee: Up to 2.0% ※ If the maximum interest rate limit under the Loan Business Act is exceeded, the early repayment fee will be deducted and not collected. ※ 3 years from the loan issuance date Early repayment fee waived for unusual transactions • Handling fee: None • Stamp duty: Stamp duty applies for loans exceeding KRW 50 million (50% of the amount stipulated by the Stamp Duty Act) [Example of loan costs] • Loan repayment period: 36 months • Loan amount: KRW 10,000,000 (10 million won) • Loan interest rate: 12% ※ Monthly payment: KRW 332,143 Loan principal: KRW 10,000,000 / Loan interest: KRW 1,957,152 Total repayment amount: KRW 11,957,152 ■ Notes - Please read the product description and terms and conditions before entering into a contract. - Financial consumers have the right to receive an explanation of the relevant product or service pursuant to Article 19, Paragraph 1 of the Financial Consumer Protection Act. Please ensure you fully understand the explanation before making a transaction. ■ Compliance Officer Review: No. 2025-1105 (November 7, 2025 - November 6, 2026)