Global Transfer Service 1. Current Remittance Process 2. Outline of Global Transfer Service 1) Characteristics of Service 2) General Matters of Service 3) Type of Services 4) Marketing Target / Expected Effect 3. Details of Global Transfer Service 4. Real-Time Remittance Service 5.Global Transfer Service Screen 1) Outline & Characteristics of Service 2) Types & Other Contents of Service

2 Global Transfer Service 1. Current Remittance Process – Application via Window or FAX : Generation of manual processing time consumption & cost (including the labor cost, SWIFT cable fee) – Current Internet Application : Although reduction in portion of manual processing time and cost is available, dramatic reduction in processing time and reduction in fee of SWIF is unavailable (no real-time processing) – No In-Advance Knowledge on Error in Remittance Orders (beneficiary, receiving account no. /depositor, receiving bank/branch, OFAC, etc) {Current Remittance → Use SWIFT (Store & Forward)} – Limitation in Customization with standardized remittance order (conditions for each field is already set) 2. Outline of Global Transfer Service  It is the special remittance service where fund can be transferred real-time between domestic accounts, between domestic and overseas accounts (including locale corporate) and between overseas branches (locale corporate) accounts through linkage in domestic & overseas banking system of our bank & affiliated banks based on the internet base 『 Payment System between Banks 』 Current Remittance Process Internet & Window Remitter KEB (KEB Transfer) Foreign Exchange Flow Beneficiary Payment to Account Service Structure Customer Affiliated Bank A Internal System of Affiliated Bank Exclusive Linkage Gateway Payment System between Banks Real-Time Processing Service provider (management on service information) Exclusive Linkage Gateway Affiliated Bank B Internal System of Affiliated Bank Customer

3 3. Details of Global Transfer Service 1) Characteristics of Service ① Quick Fund Transfer - “Completion of deposit immediately after remittance” Since it is real-time processing not SWIFT method, customer can deposit to account of beneficiary immediately after transferring it in internet banking ② Precise Fund Transfer - “Remittance Error Rate 0%” Since the main transaction is performed after in-advance confirmation on accuracy of deposit account, name of depositor, actual deposit amount after fee deduction, etc through pre- transaction, error in remittance generated in previous remittance method can be minimized. ③ Diverse Transfer Method - “ Customized Service” It can be used in various methods including per transaction, reservation, automatic, large quantity transfer, etc ▶ Comparison with Other Remittance Service SectionGlobal ServiceGlobal On-LineNew Quick Remittance Countries - KEB Overseas Branch/ Locale Corporate - Domestic Branch of Bank of China - Additional Expansion Available - KEB Overseas Branch/ Locale Corporate - KEB Overseas/ Locale Corporate within Southeast Asia/ Northeast Asia/ Australia region - Availability for Additional Expansion is low Channel - Branch, Internet Banking - Branch#VALUE! Remittanc e Limit - No Limit - Withdrawal: USD 20,000 or Less per Day (USD 5,000 or Less per Day for some region) - Deposit : Residents - No Limit, Non-Residents - USD 10,000 - USD 10,000 or Less Qualificati on for Remittanc e - No Limit - Individual Possessing Overseas Branch Account - No Limit Promptne ss - Account To Account Method, Immediate Transfer & Deposit Confirmation is Available - Immediate Deposit & Withdrawal and Transaction Confirmation is Available - Account Or Non- Account Remittance, Payment is Available within 30 Minutes after Remittance Others - In-Advance Confirmation on Accuracy of Beneficiary through Pre-Transaction - Deffered Deposit is Available in case of Time Difference Generated Region - Transaction is Available only for the Account Registered by Himself - Restriction Buisness Hour for each Overseas Branch - Manual Processing by Staff (including the notification) - Restriction in transaction available country and time

4 2) General Matters of Service ① User - Customer of domestic & overseas branch of KEB and affiliated bank who is internet banking user ② Channel in Use - Internet banking of each of affiliated bank (KEB: Domestic- e-Bank, company on-line, In- house banking, Overseas - i-Bank) - Site Address : Domestic Overseas – ③ Range of Target Account - All demand accounts in foreign currency opened in domestic & overseas branch of KEB and affiliated banks - Internet banking registered withdrawal account is used and account in same currency as currency for total account (Domestic: KRW) and transfer currency is available ④ Service Hours - Domestic system of KEB is operated 365 days and 24 hours in principle. However, transaction available hours based on time difference between each deposit bank and operating policy of overseas branch ▶ Service Available Countries/ Banks : Domestic & Overseas Branch/ Locale Corporate of KEB is as following and promotion of affiliation with domestic and overseas bank is currently under progress RegionCountries (KEB Branch/ Locale Corporate)Notes Northeast Asia Korea (Operating Department, Domestic Branch & Center) Japan (Tokyo, Osaka Branch) China (Peking, Tianjin, Shanghai, Dalia Branch)* Southeast/ Middle East Asia Hong Kong (Hong Kong Branch), Singapore (Singapore Branch) Philippines (Manila Branch), Indonesia (KEB Indonesia), Bahrain (Bahrain Branch), Vietnam (Hanoi Branch)* Europe Great Britain (London Branch), France (Paris Branch) Netherlands (Amsterdam), Germany (KEB Germany) America Canada (KEB Canada Headquarter & 6 Branches) Panama (Panama Branch) For branches in China region and Vietnam (Hanoi), remittance to foreign countries via internet banking is not available (However, remittance to branches in China & Vietnam (Hanoi) from foreign countries is available) ⑤ Service Available Currency - Service is available for all currencies process in KEB. However, it may differ according the policy of each deposit bank ⑥ Fee - Application of withdrawal/deposit fee according to policy for each domestic/overseas branches of our bank & affiliated bank

5 ▶ Cause for Transfer Availability ① Cause for Transfer (based on overseas i-Bank) Cause for TransferNotes CWO (Cash with Order) COD, CAD, etc. Non-resident Remittance Expense for an Student Studying Abroad Shipping Freight Shipping Expense Overseas Branch Operation Costs Overseas Branch Business Capital (LT) Overseas Branch Business Capital (ST) Under $1000 Donatives Transfer Over $1000 Donatives Transfer Transaction Registered In- Advance “ Transaction Registered In- Advance “ ② Transaction Registered In-Advance For the use of global transfer service via internet banking, It is the transaction where contents of estimate transaction shall be registered to terminal after presentation of verification data for cause of transfer and confirmation of staff with visit to domestic branch before the transaction of client via internet banking, etc based on Foreign Exchange Transaction Act 3) Type of Service ① Immediate Transfer - It is the service where customer performs single global transfer transaction, deposit to deposit account is performed immediately after transfer. (According to the operating policy of deposit bank, deferred function is supported) - System confirms the transaction available hour of withdrawal & deposit bank selected by customer, confirms the processing of deferred transaction to transfer ordering customer and then progresses the main transaction ※ What is deferred transaction? ☞ It is a case where withdrawal bank is transaction available hour but transaction of deposit bank is unavailable at the point of transfer ordering of customer. It is transaction that confirms the pre-transaction on deposit account at the time of transfer, completes processing of withdrawal account and processes the deposit to receiving account immediately after arrival of next transaction available hour of deposit bank/ branch ② Reserved Transfer - Service to reserve transfer on certain date in future (within 3 months) ③ Automatic Transfer - Service to process automatic transfer with same condition for each cycle during certain period of item (within 1 year) - Select from daily/weekly (certain day)/end of each month for the cycle - Initial date of transfer shall be within 1 month of date of registration ④ Large Quantity Transfer - Service to process transfer of more than two transactions in bundle (immediate & reserved transfer) - Max. processing transactions is within 100 transactions in 1 time - File Upload : Transfer data upload by txt & excel file is available ⑤ Others - Deferred transaction is unavailable for reserved, automatic and large quantity transfer - Registration cancellation is available until a day before estimated processing date for reserved, automatic and large quantity transfer (reserved). However, cancellation is unavailable for large quantity transfer (immediate)

6 4) Marketing Target Customer - Student studying abroad and visitor in foreign countries whom process frequent remittance - Customer who wants to process remittance on certain date for exact amount - Customer who wants to confirm the exact deposit to beneficiary - Company customer to process large quantity remittance with in-advance & afterwards remittance methods 5) Expected Effect - In crease in royalty of customer as sole domestic bank with availability for real-time remittance to foreign countries - Increase in revenue from fee with additional collection of fee with provision of premium service Premium - Build up reputation as foreign exchange specialized bank with real-time remittance processing - Strengthen the initiatives in overseas remittance market with service differentiated from other bank 4. Real-Time Remittance Service 1) Outline & Characteristics of Service ① Outline It is the special remittance service where fund can be remitted real-time from window of domestic branch to overseas branch (locale corporate) account through linkage in domestic & overseas banking system of our bank based on 『 Payment System between Banks 』 ② Characteristics - All in One, Special Remittance Convenient Immediate Deposit – Real-Time Remittance to KEB account worldwide. - Precise & Safe Remittance Actual depositor of deposit account, actual deposit amount after deduction of fee, etc is presented in-advance - Customized Service It can be used in various methods including per transaction, reserved and automatic remittance, etc 2) Type of Service ① Immediate Remittance -It is the service where customer performs single remittance transaction, deposit to deposit account is performed immediately after transfer. (According to the operating policy of deposit bank, deferred function is supported) ② Reserved Remittance - Service to reserve remittance on certain date in future (within 3 months) ③ Automatic Remittance - Service to process automatic remittance with same condition for each cycle during certain period of item (within 1 year) ※ What is deferred transaction? ☞ It is a case where withdrawal bank is transaction available hour but transaction of deposit bank is unavailable at the time of remittance. It is transaction that confirms the pre- transaction on deposit account at the time of remittance and processes the deposit to receiving account immediately after arrival of next transaction available hour of deposit bank/ branch 3) Others - General matters including cause of remittance, remittance procedures, etc are same as general outward remittance by SWIFT method ※ Real-Time Remittance Service to Foreign Countries : It is currently under progress, Scheduled to be performed during ’ It is service processing real-time remittance from overseas branch/ locale corporate to other overseas branch/ locale corporate or domestic accounts

7 5. Global Transfer Service Screen - Global Transfer Service (based on overseas i-Bank) ① Transfer Information Input Screen ② Pre-Transaction Screen