Individual customers holding pension savings funds within a pension savings account.

※ Available Financial Institution: Woori Investment Securities Co.

● Minimum: KRW 1 million / Maximum: KRW 300 million (Up to KRW 1 billion in total including General Securities-Backed Loan offered by the KSFC)

※ Note: Certain items may be restricted based on review results (ETFs are ineligible).

● Loan-to-Value (LTV) Ratio : 50%-60% of the fund’s appraised value.

1) Bond-type funds, etc. (KSFC Ratings 1–3): 60%

2) Equity-type funds, etc. (KSFC Ratings 4–5): 50%

● 1 year (Renewable in 1-year increments depending on review results).

※ Renewal may be restricted in cases of delinquency, collateral insufficiency, etc.

● Revolving loan: Borrowing and repayment are allowed within the limit during the agreement period.

● Variable Interest Rate

● Disbursed on the day of application to the linked account at Woori Investment Securities Co.

● Business days 09:00 – 16:00

● Collateral Maintenance Ratio: 140%

※ If the ratio of the collateral value to the loan balance falls below the maintenance margin, a margin call (collateral addition or cash repayment) will be issued. If the insufficiency is not resolved, forced liquidation (execution by the KSFC) will be executed on the business day following the deadline.

● Cash Repayment: Repayment via cash in the linked account.

● Redemption Repayment: Repayment via Fund Redemption

※ Note: Redemption repayment involves a partial withdrawal from the pension savings account, which may be subject to Other Income Tax (up to 16.5%).

● Stamp duty is shared equally (50% each) between the customer and the KSFC (Exempt for contract amounts of KRW 50 million or less).

● Loan Interest Rate: Benchmark Rate + Spread (5.65% as of Jan 2, 2024)

- Benchmark Rate: CD Yield (3-month adjustment cycle)

※ Note on CD Yield: Refers to the yield of CDs with a 91-day maturity (maturities between 80 and 100 days are treated as 91 days) issued by commercial banks with a credit rating of AAA or higher. This rate is calculated by the Korea Financial Investment Association (KOFIA) based on data submitted by reporting institutions.

- Spread: Determined by considering factors such as liquidity premiums.

※ Overdue Interest Rate: Applied as [Loan Rate + 3%], capped at a maximum of 11%.

※ Contingency Plan: In the event that KOFIA suspends the calculation of CD yields due to emergencies, the average rate of the 3-month CD Mark-to-Market Yield (AAA grade) provided by five independent valuation agencies (Korea Asset Pricing, KIS Pricing, NICE P&I, FN Pricing, and EG Asset Pricing) will be applied as a substitute during the suspension period.

● (Loan Amount × Loan Period × Interest Rate) / 365 days (interest is calculated rounding down to the nearest won, 366 days for leap years, loan period is counted from the loan disbursement date up to but excluding interest collection date).

● Monthly payment on a designated due date. (Payment priority: Overdue interest → Accrued interest → Principal).

● Warning: Failure to pay interest or principal on time may result in the imposition of overdue interest and the loss of the benefit of time, leading to the execution of collateral rights. This may result in the loss of ownership of the pledged securities.

1) Interest Overdue: For the first month of delinquency, overdue interest is charged on the unpaid interest amount. From the first day after the initial month until the day before payment, overdue interest is charged on the remaining loan balance.

2) Principal Overdue: Overdue interest is charged on the remaining loan balance from the day after the due date until the day before the actual repayment date.

● Excessive debt relative to repayment ability may lead to a decline in your credit score and financial disadvantages.

● Delinquency in principal or interest payments may result in the obligation to repay the entire balance before the maturity date.

● In case of collateral insufficiency, stock withdrawals are restricted and additional collateral deposit or partial loan repayment are needed. If the collateral shortage is unresolved, securities may be sold at the discretion of the lender to satisfy the debt.

● Please note: To protect Pension Savings Account holders, the KSFC may deem this loan unsuitable if the intended use is for the purchase of financial investment products (including employee stock ownership plans). This decision is based on an assessment of your repayment ability in light of the intended use of the loan.

● Loan applications may be rejected if the customer has poor credit history or is otherwise deemed unsuitable for the agreement.

● Woori Investment Securities acts as an agent/broker for this affiliated loan product and does not have the authority to conclude financial product contracts on behalf of the KSFC.