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)