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■ Use the KB Star Banking 'Mobile ID Service' instead of a physical ID card for every moment identity verification is required!

■ You can also easily sign up for the 'KB Star Banking Exclusive Mobile Plan,' which offers benefits when using KB Star Banking.

■ (For customers aged 14–18) If you have a mobile phone registered in your name, try the 'KB Star Teens Service,' which allows you to open a 'Pocket' account for transfers, payments, and card usage without an ID card!

■ When identity verification is required at a hospital, use the KB Star Banking 'Health Insurance QR Service' for convenience!

■ You can now conveniently manage groups within KB Star Banking using the 'KB Group Account Service.'

■ Set up 'Auto Login' with your KB National Certificate to be logged in automatically as soon as you open the app!

■ With just a mobile phone registered in your name and an ID card, you can open a deposit/withdrawal account and sign up for internet banking all at once without visiting a bank! (Ages 14 and up)

■ V3 is installed in KB Star Banking (version G6.2.0 or higher), ensuring safe usage while running KB Star Banking.

■ Receive real-time notifications you need right now, such as deposit/withdrawal alerts, benefits, and investment information, through KB Star Banking.

■ You can also receive personalized information and specialized asset management tailored to you, including maturity dates, yields, product details, and messages sent from branches.

■ Access specialized services such as KB Financial Group product inquiries, stock trading, KB Pay, and insurance planning all through a single app, KB Star Banking.

■ Faster and safer with 'KB Kookmin Certificate'!

· The KB Kookmin Certificate is a service that issues and stores a KB Kookmin Bank certificate in a secure area of ​​your smartphone, allowing you to use KB Star Banking without worrying about theft or duplication. (One device per person)

· Try convenient and secure transactions without a security card or OTP.

· From issuing a Personal Customs Clearance Code for overseas direct purchases to paying health insurance premiums and year-end tax settlements! The convenience you can experience with the KB Kookmin Certificate is constantly expanding.

■ Troubleshooting Guide

- If the KB Kookmin Certificate is not visible on LG phones

☞ This issue occurs because the LG phone operating system (OS) has not been updated to comply with Google's development policies. In this case, please [Delete and reinstall the KB Star Banking app from the Google Play Store > Restart your smartphone > Reissue the KB Kookmin Certificate] to use the service normally.

- If the app fails to update or install

☞ Please try again after deleting data and cache in [Settings > Applications > Play Store > Storage].

- If you are unable to issue a KB Kookmin Certificate or log in

☞ Please try issuing the KB Kookmin Certificate again after [Deleting the KB Star Banking app > Rebooting your mobile device > Reinstalling the KB Star Banking app].

- If ID recognition is not working properly on Samsung smartphones

☞ Please enable [Phone Settings > Applications > Camera > Camera Settings > Target Tracking AF 'ON'].

- General Troubleshooting if Real-time Deposit/Withdrawal Push Notifications Are Not Received

☞ Check 'Notification Settings' and whether 'kbbank' is allowed within the 'Notification Category' in your mobile device's [Settings > Applications > KB Star Banking > Notifications].

☞ Execute [KB Star Banking All Menus > Settings > App Settings > Clear Cache/Cookies > Clear Cookies/Data].

☞ In the [KB Star Banking All Menus > Notification Settings] menu, uncheck the Notification (Push) consent and then re-check it.

☞ If Push notifications are still not received after the above steps, delete KB Star Banking > Reboot your phone > Reinstall KB Star Banking. (※ Note: For Android devices, the Joint Certificate will be deleted, so reissuance is required.)

■ KB Star Banking Customer Communication Channels

· Internet Chat Consultation: KB Star Banking Home > Chatbot/Consultation > Chatbot/Consultation Chat (Chatbot Consultation: 24 hours)

· Naver Blog: Click https://blog.naver.com/kbebiz_star or search for 'Naver Blog' in the Naver search bar Enter 'KB Star Banking App Review' in the blog search input box

· Branch Email: kbg460003@kbfg.com

· Customer Center: 1588-9999, 1599-9999, 1644-9999 (0 ▶ 3) (Overseas: +82-2-6300-9999) (Phone Consultation: Weekdays 9:00-18:00)

■ Notice Regarding App Access Permissions

In accordance with Article 22-2 (Consent to Access Permissions) of the Act on Promotion of Information and Communications Network Utilization and Information Protection, etc., and the Enforcement Decree thereof, we hereby inform you of the access permissions required to provide KB Star Banking services as follows.

【Essential Access Permissions】

• Phone: Used to verify the mobile phone number for identity verification and provides access to the phone status and device information. It is used when using the designated phone service, Smart OTP, mobile identity verification, checking the version in settings, (re)issuing KB Kookmin Certificate, issuing financial/joint certificates, Open Banking, etc.

• Installed Apps: Used to detect items among applications installed on the smartphone that may pose a threat in order to prevent electronic financial transaction fraud.

【Optional Access Permissions】

• Storage: Provides access to device photos, media, and files. It is used when using [saving, modifying, deleting, or reading certificates], [sending special remittance messages after a transfer], [saving bankbook copies], [saving transfer confirmations], etc.

• Contacts (Address Book): Used to retrieve contact information from the device when transferring contacts or sending transfer result SMS messages.

• Camera: Access permission for the photo-taking function, used for taking photos of identification documents, convenience services (submitting documents to the bank, paying utility bills via photo, etc.), and copying QR certificates.

• Microphone: Used for video calls for non-face-to-face identity verification and voice-based quick transfers.

• Location: Access permission for device location information, used for finding branches/ATMs and branch consultation reservation services.

• Physical Activity: Used when using the KB Daily Walking service.

• Notifications: Used to receive notifications via Push notifications for ARS authentication, useful product, service, and event information, and various financial benefits.

• Notification Access: Used to check the risk level of URL links included in received message notifications.

※ You can still use the KB Star Banking service even if you do not agree to allow optional access permissions; however, there may be restrictions on the use of some necessary functions. You can change these settings via the [Smartphone Settings > Applications > KB Star Banking > Permissions] menu.

**Permissions** ※ If you are using a smartphone running Android OS version 6.0 or lower, all access permissions may be applied as mandatory without any optional access permissions. In this case, please check if you can upgrade your smartphone's operating system to Android 6.0 or higher. After upgrading, you must delete and reinstall the app to properly configure access permissions.

■ Notice

· Any personal internet banking customer using a smart device running Android version 6.0 or higher can use KB Star Banking.

※ KB Star Banking may not function properly if you are using a beta version OS. We recommend using the official version OS.

· You can install the app via mobile carrier 3G/LTE/5G or wireless internet (Wi-Fi). When using 3G/LTE/5G, data charges may apply if the data allowance specified in your rate plan is exceeded. · In accordance with guidelines from the Financial Supervisory Authority to prevent electronic financial fraud, KB Star Banking cannot be used on smart devices that have been arbitrarily modified (jailbroken, rooted). Additionally, devices may be recognized as arbitrarily modified even if specific apps are installed. (Contacting the A/S center or factory reset is recommended).