How much does KB Pay earn?

■ KB Pay All in One: KB Kookmin Card, Assets, and Lifestyle (Shopping/Travel) • Check payment amounts, instant payments, finance (loans), card issuance, payment services, and more • Access all KB Kookmin Card services within a single KB Pay app ■ Home • Provides optimized benefit information and services tailored to your situation ■ Dual Home (Card) • All information related to card usage at a glance • Check card usage history, instant payments, financial services, automatic…

■ KB Pay All in One: KB Kookmin Card, Assets, and Lifestyle (Shopping/Travel)

• Check payment amounts, instant payments, finance (loans), card issuance, payment services, and more

• Access all KB Kookmin Card services within a single KB Pay app

■ Home

• Provides optimized benefit information and services tailored to your situation

■ Dual Home (Card)

• All information related to card usage at a glance

• Check card usage history, instant payments, financial services, automatic payments, and more

■ Benefits

• Personalized events and partnership events at a glance

• Random Pointree rewards given once a day (attendance check), and random Pointree rewards given when paying with KB Pay (Kniverse)

■ Finance

• Personalized financial information at a glance

• Long-term/short-term card loans, credit loans, auto loans, and revolving credit services

■ Payment

• Cards are a given! Register your bank account or Pointree to make payments as conveniently as a card.

• Check your transaction history, financial records, and automatic payments via the Timeline.

• Manage your spending rationally using features such as instant payment, split payments, and memo creation that appear when you tap on your transaction history.

■ Shopping/Travel

• Don't miss out on daily one-day shopping deals and the chance to snag your wishlist items (limited quantities).

• Book flights (no ticketing fees on the KB Pay app), accommodations, and rental cars all at once!

■ Mobile Transportation Card Function

• Available for use on buses, subways, and other modes of transport nationwide.

• If you agree to subscribe to and use the mobile transportation service, your mobile phone number, USIM unique number, name, gender, date of birth, and CI value will be provided to Mobility Joy Co., Ltd. and Mybi Co., Ltd.

■ Please Check Again

• You can subscribe using your own name or a mobile phone number registered with our company.

• We recommend updating to the latest version for safe financial transactions.

• Please avoid using wireless LAN (Wi-Fi) with unclear sources or security settings. • Please use a mobile network.

• This service is not available on devices that have been arbitrarily modified, such as jailbroken or rooted.

• Usage fees may apply when downloading or using the app via mobile data.

■ We request minimum permissions for safe and convenient use

[Required]

• Phone: USIM phone number verification for KB Pay membership registration and Mobile Transportation Service subscription

※ Collected and shared data: Mobile phone number, USIM unique number, name, gender, date of birth, CI value

※ The KB Pay app collects, transmits, synchronizes, and stores mobile phone numbers for mobile identity verification (SMS/ARS) and contact-based remittance services during membership registration, reinstallation, login, profile phone number changes, and card usage notification services.

※ Skp_skt_SDK provides collected information to Mobility Joy Co., Ltd. and Mybi Co., Ltd. after obtaining consent for personal information when signing up for the Mobile Transportation Card within KB Pay. • Storage: Storage of app content (joint certificate, profile image, receipt image, etc.)

* Available only on devices running Android 13 or lower

• App Verification and Detection: Antivirus, PureApp verification, malicious app detection

[Optional]

• Camera: KB Pay payment, scanning QR codes for authentication, card registration

• Notifications: Receiving push notification messages

• Biometric Information: Authentication during payment and additional authentication method for service usage

• Location Information: Providing location-based benefit information

• Address Book: Used for split payments, participation in friend invitation events, transferring money via contacts, and the "Money Ask" service

* Items Used: Name, phone number (verifying KB Pay membership status, etc.)

• Display over other apps: Edge Panel function, launching Digital ARS

* Access permissions for selected items are used to provide better service to our customers. Even if you do not allow them, you can still use the app except for the specific features mentioned.

* Access permission settings can be changed in the [Settings > KB Pay] menu.

* • Microphone: Used for audio output during customer center video consultations

• Nearby Devices: Used for accurate location detection based on nearby devices

* Used only when applying for the Location-based Marketing Service (Loflat)

■ KB Pay listens to you

• You can receive detailed information through various channels.

• KB Kookmin Card Website (www.kbcard.com)

• KB Kookmin Card Call Center (1588-1688)

• KB Pay App Dedicated Call Center (1644-9311)