KEB Capital, Inc. was incorporated in 1989 to engage in the facility leasing business (i.e., lease financing).
The company soon expanded its business to include, among others, installment financing, factoring, and loans for
corporate working capital to provide diverse financial services for its individual and corporate customers.
KEB Capital, Inc. has been the market leader in areas of facility leasing, in Korean won and foreign currencies,
to small- and medium-sized companies, and over time has significantly expanded the scope of its leasing to include
medical equipment, construction equipment, machine tools, printing machinery, vehicle imports, and more in an effort
to respond to the diversifying financing needs of a broader range of customers.

Leases: Financial leases, operations leases

A lease company purchases and leases machinery or equipment at a customer’s request under The terms and conditions
of lease agreements, in exchange for lease fees. The leasing business is a kind of property financing that provides
loans for the purchase of machinery and equipment.

Discounted Financing

A financing program by which a loan is provided to a customer who purchases a product, and the customer is obliged to
repay the loan on an installment basis for a defined term. The customer takes out this loan to pay the product’s purchase
price, whereas the price of the product is directly paid to the seller. In this regard, this advanced financial program provides
benefits not only to consumers, but also sellers and manufacturers.

Auto Financing

A program that allows for sound financial structure with tax savings as it involves low initial cost and is carried on balance
sheets as a liability.

Factoring

A manufacturer or seller supplies goods or services to customers in return for sales receivables (i.e., receivables in note or
non-note form), and a financial company purchases the receivables.
It is a financial instrument that provides financing to sellers prior to the maturity of sales receivables.

Operation Fund Loan

This loan, designed for corporate and individual customers, bears market interest rates.