- Key Features

● Mobile-exclusive loan backed by listed stocks

● Uniform interest rate for all customers

- Eligible Customers

● Individual customers holding listed stocks or ETFs

- Application Process

● Apply via mobile banking and transfer eligible collateral to the KSFC’s designated account

- Loan Limit

● Minimum: KRW 1 million / Maximum: KRW 300 million (Limit can be increased up to KRW 1 billion upon review after the initial agreement)

● Loan-to-Value (LTV) Ratio varies by stock group based on internal screening standards

- Collateral Maintenance Ratio: 140%

- Loan Type & Period

● Loan Type: Revolving loan

● Loan Period: 1 year (Extendable in 1-year increments if extension conditions are met)

- Reasons for Non-extension

① Decrease in customer’s credit rating

② Failure to meet the required collateral maintenance ratio for extension

③ Decrease in the credit rating of the collateralized securities

④ Defects in required documents

⑤ Overdue payments or unhealthy loan status

⑥ Other cases where the KSFC deems the extension inappropriate based on internal standards.

- Interest Payment & Repayment

● Interest Payment: Monthly payment on a designated due date (via CMS transfer)

● Repayment Method: Partial or full repayment in cash or through the sale of collateralized securities within the maturity period

(If a deposit is made to the dedicated repayment account on a business day, and the repayment type is not specified via mobile banking by 21:30, the amount will be automatically applied in the following order: Overdue amount → Accrued interest → Principal)

- Loan Interest Rate: 4.37% (As of Aug 25, 2025)

● Loan Interest Rate = Benchmark Rate + Spread

● 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.

※ 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.

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

- Overdue Interest

● Overdue interest is charged if the loan interest or principal is not paid on the agreed date.

● 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.

● 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.

● Overdue Interest Rate (Delayed Compensation Rate): Applied as [Loan Rate + 3%], capped at a maximum of 11%.

※ Note: Pursuant to Article 7(1) of the 「Personal Credit Management and Debtor Protection Act」, for loans with a contract amount of less than KRW 50 million, overdue interest is not charged on the principal that has not yet reached maturity.

● 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 (disposal of collateral). This may result in the loss of ownership of the pledged securities.

※ In the event of acceleration due to delinquency, for individual financial claims with a principal balance of less than KRW 30 million (per account), the effective date of the loss of the benefit of time shall be the later of: the scheduled date of acceleration or 10 business days after the notice of loss has been received.

- Right to Request Interest Rate Reduction

● This product is not eligible for the right to request interest rate reduction.

- Enforcement of Security Interest: Upon transferring securities to the KSFC’s account for the loan, a pledge (lien) will be established. In the event of default, the KSFC may enforce its security interest to recover the outstanding loan amount.

● Failure to Maintain Collateral Maintenance Ratio (140%): A margin call will be issued on the notification date (D). If the collateral shortage is not resolved via additional collateral deposit or partial loan repayment by D+2, the KSFC will execute forced liquidation on D+3 to settle the principal and interest.

● Market Value Deficiency: If the total market value of the collateral falls below the remaining loan balance, the deficiency must be resolved immediately. Failure to do so will result in the immediate disposal of collateral to satisfy the debt.

● Maturity or Interest Delinquency: Security interest will be enforced on the business day following the settlement deadline specified in the loan repayment demand notice.

- Methods of Liquidation

● The quantity (X) required for sale to meet the Collateral Maintenance Ratio (140%) is calculated as follows:
Previous Day's Closing Price x (Share Held - X) / Loan Amount - (Selling Price x X) ≥ 140%

* Interest expenses and transaction costs are considered separately.

● Selling Price: A 20% discount applied to the previous day’s closing price.

● Order Price: Execution price determined by market or limit-down orders at the market open.

● Order of Disposal: ①Securities with the lowest KSFC collateral rating ②Securities with the lowest ticker symbol (stock code)

※ Note: If you wish to change the order of disposal, you must submit a request via KSFC Mobile Banking by 08:10 AM on the scheduled disposal date.

- Customer Costs

● Stamp Duty: Shared equally (50% each) by the customer and the KSFC. (Exempt for contract amounts of KRW 50 million or less.)

※ Stamp duty will be deducted from the loan proceeds at the time of disbursement.

● Prepayment Fees: None

- Important Notes for Application

● This product cannot be held simultaneously with General Securities-Backed Loan offered by the KSFC. It can be held in combination with Affiliated Pension Savings-Backed Loan, up to a total limit of KRW 1 billion.

● Excessive debt relative to repayment ability may lead to a decline in your personal credit score, which may result in disadvantages during financial transactions.

● Loan applications may be rejected if the customer is deemed ineligible for the agreement, such as having a history of credit delinquency.

● The loan limit and interest rate are determined through the KSFC's internal review process and are subject to change.

- Notes During the Loan Period

● Continued delinquency may result in the obligation to repay all principal and interest before the expiration of the agreement period.

- Notes on Maturity

● If the loan remains unpaid after the maturity date, overdue interest rates will apply for each period as specified in the Credit Transaction Agreement. Additionally, you may face adverse consequences, such as being registered as a credit-delinquent entity.

- Right to Withdraw Loan Agreement: Pursuant to Article 46 of the 「Act on the Protection of Financial Consumers」, customers may withdraw from the loan agreement via written notice, phone, or mobile banking.

- Right to Terminate Unlawful Contracts: Pursuant to Article 47 of the 「Act on the Protection of Financial Consumers」, customers may request the termination of a contract if it is found to be in violation of relevant laws.

- Right to Request Data Access: Pursuant to Article 36 of the 「Act on the Protection of Financial Consumers」, customers have the right to request access to or inspection of relevant materials and data.