◆ Digital Pepper (Pepper Savings Bank) Key Services
● Non-face-to-face Account Opening

- Open a parking account for deposits and withdrawals with higher interest rates, faster and easier, through non-face-to-face identity verification.
● Simple Authentication Service

- Easy and secure login and electronic signature with pattern, PIN, and biometric authentication.
● Simple Transfer
- Transfer to KakaoTalk friends without knowing your account number. Simple authentication makes transfers easier and faster.
● Auto-Approval Credit Loan
- Easily check your credit limit and find the right product for you. Apply for a loan and send money all in one place.
● Mobile Document Submission/Certificate Issuance
- Submit required documents for deposits and loans, and issue certificates all in one place, without a phone call.
● Pepper Life Service
- Open Banking > View all your accounts on Digital Pepper, and use "Import" if your balance is insufficient.

● Other Information
- This service can only be used on one app after completing the identity verification process.
- Once you complete membership registration and opening a deposit/withdrawal account, you can access a wider range of services.
- We investigate credit-disrupting behavior. (Preventing voice phishing damage to customers using the Digital Pepper app through malicious app detection) Items: Malicious app detection information, diagnostic information on detected malicious apps
- Pepper Savings Bank Digital Pepper Customer Center: 1644-3993

● App Usage Permissions and Purpose
- Phone and Contact Information (Required): Call the customer center, send SMS messages
- Notifications (Optional): Receive push messages
- Camera and Photos (Optional): Take ID photos and submit documents
- Biometrics (Optional): Simple login
- Device/Other Identifiers (Required): Collect and use the mobile phone number registered on the device to prevent electronic financial transaction fraud
- Installed Apps (Required): Collect, use, and share information on installed apps on your smartphone to prevent electronic financial transaction fraud, such as voice phishing and malicious apps

※ You can still use the Digital Pepper app without consenting to optional access permissions, but some services may be restricted.

● [Pepper's Parking Account 4]
- Product Name: Pepper's Parking Account 4 (Deposit/Withdrawal Account)
- Eligibility: Individuals aged 19 or older with their real names (one account per person)
- Base Interest Rate: 1.2% per annum for amounts up to KRW 50 million, 1.0% per annum for amounts exceeding KRW 50 million (pre-tax, variable rate)
- Interest Payment Period: The third Saturday of the last month of each quarter is the closing date, and the principal is added to the balance the following day.
- This product is a non-face-to-face product available for subscription through the Digital Pepper app.
※ Note
- This deposit is protected by the Depositor Protection Act, including the principal and a certain amount of interest, up to KRW 100 million per person (combined with other protected products offered by this mutual savings bank).
- Please review the product description and terms and conditions before signing the contract.
- You have the right to receive a thorough explanation of the product in advance. Please understand the explanation before making a transaction.
- Interest rates are subject to change, so please be sure to check the website or app.

● [Pepper Smart Loan]
- Product Name: Pepper Smart Loan
- Interest Rate: Minimum 6.9% ~ Maximum 19.9% ​​(Subject to change, Base Date: February 1, 2025)
Interest rates are calculated as of the date of advertisement. For more detailed information, please visit the website or branch. - Limit: 3.1 million won to 100 million won
- Loan term: 1 to 10 years
- Loan eligibility: Employees aged 19 or older with health insurance
- Repayment method: Equal installments of principal and interest
- Interest charge period: Monthly payment date and loan maturity date
- Default interest rate: Loan agreement rate + 3% per annum (up to 20% per annum)
- Early repayment fee: Early repayment amount x Early repayment fee rate (2.0%) x (Remaining loan term/Loan term)
* Exemption criteria: Early repayment fee waived if 3 years have passed since the loan issuance date or less than 1 month from the loan maturity date
- Handling fee: None
- Incidental expenses: Stamp duty (Article 3 of the Stamp Tax Act). Stamp duty varies depending on the loan amount, with the customer and savings bank each bearing 50%. - Loan amount of 50 million won or less: Tax-exempt
- Loan amount exceeding 50 million won and up to 100 million won: 70,000 won (35,000 won each)
- Example loan cost: Total repayment amount for a 12-month loan of 3.1 million won at an annual interest rate of 6.9% with equal principal and interest payments: 3,217,080 won (actual loan amount may vary)

※ Common information for credit loans
- (Interest rate fluctuation cycle: 3 months) The loan interest rate is determined by the base rate + the premium rate. The base rate is the weighted average interest rate (based on balance) of all Pepper Savings Bank term deposits for the three months preceding the month in which the loan is processed. (Refer to the monthly variable base rate information in the Digital Pepper APP/Web Customer Support → Notices section.)
https://digital.pepperbank.kr/web/cs/bd/WCSBD11000.view
- For variable rate loans, the interest rate may increase until the loan is repaid. This increase may increase your financial burden. - Eligible borrowers must be 19 years of age or older with a NICE credit score of 350 or higher and can provide proof of income. Loans may be rejected based on our loan screening criteria.
- Pepper Savings Bank offers a variety of credit loan products, and product terms and conditions, including limits, interest rates, terms, and repayment methods, may vary depending on screening criteria.

※ Loan Product Precautions
- Loan amounts and interest rates may vary or loan applications may be restricted based on your credit rating, personal credit score, or income.
- Please review the product description and terms and conditions before signing a contract.
- You have the right to receive a thorough explanation of the product in advance, and please understand the explanation before making a transaction.
- If you default, you may be required to repay the principal and interest before the end of the contract period.
- Excessive borrowing may lower your personal credit score.
- A lowered personal credit score may result in restrictions or disadvantages in financial transactions.

Pepper Savings Bank Compliance Officer Review No. 2025-0785
(October 28, 2025 - October 27, 2026)
Korea Savings Banks Review No. 2025-01230
(October 16, 2025 - October 15, 2026)