Hyundai Motor Securities Issues 581st Derivative Bond (USD 19,984,000, 3.9%-3.91% p.a.)

Issuance amount: USD 19,984,000 (approx. KRW 29.1 billion at 1,457.30 KRW/USD)
Underlying asset: USD/KRW fixing rate
Yield: 3.910% p.a. if final fixing ≥ 2,000 won, else 3.900% p.a. (pre-tax)
Maturity: May 18, 2026 (94 days)
Issuer credit rating: AA- (from KIS, KMC, NICE)
Notes: Not protected by depositor protection, unlisted, potential principal loss on early redemption, currency risk
Subscription: Restricted to IBK Industrial Bank trust clients, minimum USD 1,000
Issue date: February 13, 2026