Proposal of retirement pension for KB pension business

Proposal of retirement pension for □ □ □ KB pension business department

1. Investment products offered on DC pension plan and past performance • • Principal guaranteed product gives the promised rate of return at the maturity date. KB has 19 performance based products for DC participants. Assets of each fund are invested to various types of stocks like Dividend stock, Value stock, Growth stock, Overseas stock. Product type Product name Principal guaranteed products KB time-deposit Promised rate of return as of Nov. 4, 2011 (Unit : %) 3 month 6 month 1 year 2 year 3 year 5 year 2. 85 3. 20 4. 69 4. 86 4. 96 5. 11 3 month 6 month 1 year 2 year Inception date KITMC Retirement Annuity Value Balanced-Feeder(2) -4. 70 -6. 16 3. 05 13. 91 45. 53 ※ KB wise time-deposit will be offered for ○○○ Korea. Product type Performance based products Product name Past performance as of Oct. 31, 2011(Unit : %) Samsung Pension Dividend 40 Securities Feeder 1 -4. 90 -6. 77 2. 52 12. 71 44. 69 Samsung Pension Korea Blue Chip 40 Securities Feeder -1. 83 -1. 84 8. 63 21. 14 65. 09 Shinyoung Pension Value Balanced Feeder Fund -4. 69 -4. 07 1. 61 12. 23 56. 07 KB RP Growth Equity 40 Securities Feeder Fund -2. 88 -3. 85 3. 60 9. 51 KB RP BRICs 40 Securities Feeder Fund -4. 27 -5. 36 -2. 77 2. 72 KB RP Bond Mixed 0. 46 3. 14 11. 48 30. 10 71. 22 KB RP Index 40 Mixed -2. 28 -3. 26 3. 97 15. 64 38. 20 Mirae MAPS RP KRX 100 Index 40 Stable Balanced 1 -2. 31 -3. 48 4. 47 15. 43 57. 38 Mirae. Asset RP Solomon Balanced Feeder Investment -4. 25 -5. 30 3. 36 17. 12 56. 61 Allianz NACM RP global emerging 40 -2. 89 -4. 05 -2. 03 6. 38 10. 17 KITMC Retirement Annuity Value Balanced-Feeder(2) -2. 14 -1. 05 3. 71 19. 93 54. 25 Mirae Asset RP Asia Pacific Income 40 Balanced 1 -2. 59 -2. 76 0. 34 11. 53 32. 38 Midas RP Dividend 40 Securities Feeder Trust 1 -4. 02 -5. 11 2. 71 14. 71 66. 19 Mirae Asset RP Split investment 3/10 No. 2 Type C -0. 79 -0. 23 HI Pension Good Choice Balanced 40 Investment No. 1 -3. 45 -5. 50 3. 22 20. 69 31. 41 ING R-pension Superior Bond Fund 1 1. 52 2. 53 3. 62 9. 49 30. 47 KB RP Bond Feeder 1. 64 2. 85 3. 85 11. 75 33. 82 KB MMF I-2 0. 85 1. 67 3. 10 5. 76 27. 99 1. 95 2

1. Investment products offered on DC pension plan and past performance • Investment options are suggested, according to participants’ intention and inclination to invest. – – Due to investment regulations(by FSS), the equity exposure of DC investments is limited up to 40%. So the funds that KB can recommend to DC participants are Bond Mixed funds. Optimal Portfolio would be suggested during face to face counseling given to each participant. Stable -inclined Stable Expected return Time-deposit rate of return Equity Exposure 0% Neutral Stable-inclined Investment -inclined Neutral Investment-inclined Time deposit rate+1~2% Time deposit rate+3~4% Time deposit rate+6~8% 8% 20% 32% Aggressively invested Time deposit rate+8~12% 40% 3

[Appendix] sample of DC investment • These are the real example of DC investment S co. , Male 58 • Rate of return : 6. 23% • Start from Mar. 2009 M co. , Female 67 • Rate of return : 5. 73% • Start from May. 2008 D co. , Male 74 • Rate of return : 14. 65% • Start from April 2009 4

2. DC product selection/review process • Product selection process Step Process Details Factors 1 Sorting of Asset Management Companies Contracted with proper AMCs(34 companies) • Investment Strategy/Management Vision • Successful products in the past • Fund manager list & their abilities 2 Product Sorting Fund examination (Total pension funds) • Past performance • Outperformance with BM 3 Reserved Product line-up Excluding improper & low quality products • Recent 6 m/1 yr/2 yr performances • Stability, Volatility 4 Final Product line-up Final selection out of total pension fund products • Type • Performance • AMC 5 Evaluating new (candidate) products Checking for adding new products • Awareness, Rating • Performances Product Line-up Process Structure Product Selection Committee Research Report (Internal) Report (34 AMCs) Historical Performance Data Product Filtering Reference (Research Companies) Report (Fund Rating Agencies) Product Selection Dept. Retirement Business Dept. Trust Business Dept. Affiliated Product Dept. Fund Rating Agencies 5

2. DC product selection/review process • Product review process Activity Contents Market research Details Stock / Bond / Basic rate / Market review & outlook Product Monitoring • Recent performance (1/3/6 m/1 yr) • Outperformance with same type products Examine of lined up products AMC monitoring • KB Research reporting • Each AMC’s reporting data • Asset allocation check • Change of fund manager Examine of AMC Risk management Risk factor analysis, Performance monitoring • Monthly Committee meeting (Line-up status) • Pension administration team (rate of return) • Product manager’s check (line-up) Product management committee Meeting for Product line-up change (Monthly) • New fund products • Kick out products - KB had kicked out several fund products that showed bad performances General checking factors of Review process Factor Review of Asset managemen t company Overall Management • Investment Philosophy/ • Strategy Changes • Invested asset Changes Organization Others Factor Details • Organizational Changes • Executives status • Main fund manager’s replacement • Market Disaster Recovery Plan • Risk management strategy Fund Manager Review of Investment fund Investment Philosophy Details • Fund Manager Changes • Investment Style Changes Performance • NAV, Performance, • BM comparison, GIPS • Market (Performance) outlook Risk Factor Analysis • Product Credit Risk Monitoring 6

[Appendix] Most defensive funds list in the bear market. • Article from Mae-il Kyung-je newspaper (on Aug. 15 th, 2011) KB has them! 7

[Appendix] Most profitable funds in the retirement pension market • Data from Zero-in(Fund research company) as of Aug. 31, 2011 – Bond mixed fund ranking in the retirement pension market (There almost 300 bond mixed funds in the market) Ranking Asset management company 1 KB AMC 2 Samsung AMC 3 Fund name KB has them! 1 year rate of return 5 year 3 year rate of of return KB RP Bond Mixed 15. 38 46. 95 71. 82 Samsung Pension Korea Blue Chip 40 Securities Feeder 11. 97 36. 23 65. 63 Midas AMC Midas RP Dividend 40 Securities Feeder Trust 1 6. 48 34. 01 63. 18 4 Shinyoung AMC Shinyoung Pension Value Balanced Feeder Fund 6. 39 31. 48 58. 77 5 Sinyoung AMC Shinyoung Pension dividend feeder fund 5. 12 26. 79 57. 93 6 Mirae AMC Mirae. Asset RP Solomon Balanced Feeder Investment 6. 59 32. 42 50. 85 7 Mirae AMC Mirae. Asset retirement plan 40 balanced feeder 1 6. 22 32. 18 50. 49 8 Mirae AMC Mirae. Asset retirement plan balanced feeder 1 6. 17 32. 11 50. 20 9 Mirae Maps Mirae MAPS RP KRX 100 Index 40 Stable Balanced 1 6. 55 27. 45 49. 72 8

3. Plan and experience • Contracts, participants, Reserve amount (As of end of Sep. , 2011) Total DB Contract DC Contract • Item Figures Number of contracts(Plan Administration) 26, 476 Participants 533, 703 Reserve amount(bil. won) 3, 546 Number of contracts(Plan Administration) 6, 019 Participants 381, 182 Reserve amount(bil. won) 1, 697 Number of contracts(Plan Administration) 9, 824 Participants 135, 284 Reserve amount(bil. won) 1, 013 Comparison of vendors’ reserves (As of end of June, 2011) (tril. Won) 1 st (bil. Won) 2 nd Total retirement pension reserve amount▲ (including DB, DC, IRA) DC reserve amount▲ 9

4. Support on employee education • Organization to support employee education Role / Program Dedicated team for ○○○ • Make educational materials • F 2 F Consulting for DC investment • Follow-up control • Educational material documentation KB Retirement Pension Education • Pension-related finance education Center • ERBSA / Income Tax / Corporate Tax KB HRD Dept. (Training Center) WM (Wealth Management) Business Dept. Cyber Education Center • • Development of Cyber Education center programs • Offering Training center/reservation/management • General education programs • Host ‘Mobile finance education seminar’ • Open ‘Counseling Desk’ • Management of Cyber education programs • CD manufacturing Detailed info. Team manager / Account manager Focal contact / Investment counselor Labor attorney /Tax accountant Accountant / Actuary Four KB training centers in Korea (Cheonan/Ilsan/Sokcho/Daecheon) Real-estate (Housing market) Stock investment / Derivatives Commodity (Gold) / FX margin Tax consultation Retirement Pension / Investment General finance education Dedicated team for ○○○ Korea Name Qualification Experiences Seoung-Mok, Shin • Team Head/ CFP • Career : 10 years MBC, KHNP, Hyundai Motors, Korea Rural Community Corporation, KIA motors, KT, KCC, Dong woo Fine-chem, Amway etc. Eun-kyung, Kim • Project Manager • Career : 5 years • MBA Samsung Tesco, CISCO Systems Korea, BP Korea, LSG skychef, etc • Senior consultant • Career : 5 years • AFPK Henkel Korea, Dow Chemical, Costco, IBM, Medtronic, ICBC etc • Certified Public labor attorney • Career : 8 years KHNP, KIA motors, KCC, KRA etc • Pension actuary, Licensed tax accountant • Career : 10 years MBC, KHNP, Hyundai Motors, Samsung Tesco, CISCO Systems Korea, BP Korea, LSG skychef, etc Yoon-ki, Jang Joong-ho, Choi Yoon-Sup, Kwon 10

4. Support on employee education • List of employee education Service Method of delivery Process and Contents Open lectures (collective training) -KB provide information session for employees of ○○○ Korea. -Pension experts give a lecture with presentation materials. -This lecture is about the retirement pension system and vendor’s additional service promotion. -Q&A time follows. -The time and the place for the lecture is decided and informed by plan sponsor. -This education can be replaced by information posting by the request of company. -For the convenience of employees at the local offices, we give this lecture at each site. Cyber retirement pension center Web (www. kbpension. co. kr) -You can use this web center around-the-clock -Participants can take the legally mandatory lessons here. -Plan sponsor(HR team) can check the study records of each participants. -Participants can study from retirement pension system to retirement benefits calculation. Information posting Post, e-mail -All participants get participants education by information mail. -this mail contains the information of retirement pension, market issues, vendor’s additional services, vendor’s service channels. If participants have any questions, then they can ask to KB retirement pension call center(1599 -0099). Meeting room -For DC participants, KB offer additional face to face sessions for employees, semiannually. -In this sessions, participants check their investment result and are advised to change product and portfolio if necessary. Retirement pension Information session Face to face session 11

4. Support on employee education • Image of employee education KB cyber education center▲ KB retirement pension call center ▲ Open lecture : Q&A ▲ KB guide books and Video clips ▲ 12

4. Support on employee education • Face to face counseling These pictures are taken at the real counseling booth that KB open at U** Korea. It takes generally 30 minutes to give counseling to each participant. For overseas participants, webcam and internet phone are used to communicate from time to time. ▲ – – The time and the place for counseling booth are decided by HR and informed to vendors at least two weeks in advance. Counselor analyses the investment inclination of each employee and suggest optimal portfolio and recommend products which are suitable for the suggested portfolio. It takes 10~ 30 minutes for each employee to be counseled. The investment order signed by each employee completes the subscription process. 13

5. Consent process • Consent process begins with gathering opinions of employees. To make the best pension plan for both employees and employer, much communication between them are needed. Employees are not easy to gather in a place at the same time, so education session and consent are often implemented at a time. Survey Process 1 Pre-Survey 2 Education session 3 Follow-up (Survey) 4 Consent completion Session/Q&A Follow-up Purpose / Contents Consent Note • Understanding level of Retirement pension • Opinion about retirement pension system • Initial Survey • Employee issue, trend and preference • Understanding background • Compare with current system • Features / Advantages / Disadvantages • Education session for whole employees • Q & A session • Possibility of consent • Consent rate check • 2 nd Survey after education session • Completion of DC plan • Distribution of agreement form • Pension Rules/Consent Documentation • Reporting to MOEL 14

5. Consent process • Supporting activities of KB Related to Documentation Type Supporting activities of KB Plan document -KB surveys employee’s opinions on adopting the retirement pension plan and special needs. -KB advises making decisions on major items of plan documentation -Share major ideas of plan with employees before agreement process by employee education session -KB can also provide English version of plan. Employee agreement forms -To adopt a pension plan, majority of employees has to agree on the plan. -After information session for employees, the signing on employee agreement form would be implemented. The forms can be provided by KB. Other required documents -KB has experienced various contracts with global companies. For example, CDA, ASPA, SLA etc. -If you need additional contracts or agreements with KB before main contracts, KB would be ready for them. Filing the plan document to the ministry of Employment and labor -The plan documents should be submitted to the nearest labor office. This filing can be done by KB. -The period needed for acceptance is generally one week. Assisting any inquiries raised from the Ministry -If there are questions about plan documents from Ministry, KB can answer instead of J&J. -If the problem is serious one, then KB recommend the best solution for that. Support on employee communication -KB can open information session for employees. These sessions are about retirement pension systems, vendor service introduction, etc. We will observe all guidelines given by the consulting firm in preparing sessions and making communication materials for employees. Filing the plan documents Coordinating with the consulting firm 15

6. Ongoing DC administration support • Various educational materials are offered for HR team to operate pension plan well. § Guide book(DB/DC) § Educate retirement pension operating method and process § Retirement pension account reports § Account information for employers § Account status § Products/rate of return § Investment recommendation § Market status and investment strategy § Sent by E-Mail § Retirement pension market news § Legal issues § KB retirement pension news 동영상 자료 § Internet banking guidebook § Q&A book on retirement § Material for HR team § Published by KB financial § Operating by Internet pension regulations. § Theory of investment, retirement plan design § Video clips on retirement research center § Monthly report on industry § Real estate market § Stock/Bond market pension system and investment activities 16

6. Ongoing DC administration support • Once or twice in a year, HR staff of ○○○ Korea will be invited to KB retirement pension academy. This event will help HR staff to share the issues of retirement pension market and get useful information of operating retirement pension system. • The pictures of KB retirement pension academy will be held once or twice in a year. In this event, HR staffs of many companies can share information about retirement pension system and issues. ▼ 17

6. Ongoing DC administration support • • KB prepares many legally-mandatory education programs for HR. First, KB sends legal education materials by post, more than once in a year. Second, KB opens cyber educational center for employees. If employees study in this center, the records are to be informed to HR team, so that they can check if employees get legally-mandatory education or not. Third, KB offers information sessions for employees. They are provided by KB pension specialists. Legal education materials are sent by post every year. ▶ ◀Cyber education center opens around the clock. HR staff can check if employees get education from it. ◀Information sessions for employees are offered by KB pension specialists. 18

6. Ongoing DC administration support • Through web system, HR can operate frequently occurred functions. – Make inquiries about participants’ information • Registration information of each participants • Retirement benefits amount (Total, of each participant) – Transfer contribution amounts and service fees – Reserve retirement payment by inputting date and reason of retirement 19

7. Ongoing DB administration support • KB offer IFRS reports for free. – – – Abundant experience on calculating and providing retirement benefits obligation to large corporate, KOSDAQ-listed enterprises, etc. Wages of long-term employees, the expected retirement expenses of next year, the retirement expenses per a person (for the purpose of cost accounting) can be also provided. IFRS reports can be offered monthly, quarterly or yearly basis(This follows company’s requests). It takes two weeks for KB to complete IFRS reports from receiving law data. 20

8. Ongoing DC participant Service • The pictures of DC counseling booth • Retirement pension counseling team Name Roll Certificates Ji. Whan, Park General management Derivatives/fund investment Consultant Joo. Han, Kim Asset management AFPK Yoon. Sup, Kwon Tax/IFRS/Actuary Tax account & Actuary Joong. Hyuk, Lee Accouting/ IFRS/Actuary CPA & Actuary Song. A, Jo Tax / CS Tax account Seul. Ki, Lee IFRS/ Actuary KB counsels all DC participants of ○○○ face to face, at least once in a year. At this booth, we offer general information of retirement pension account, advices on portfolio construction, product selection, etc. This counseling booth can be held at each and every local office of ○○○ Korea. ◀ 21

8. Ongoing DC participant Service • Educational materials for DC participants ◀What is the retirement pension? ◀Internet banking guide This book is given by post when a participant opens a pension account at KB. You can learn about retirement pension system and get the basic investment theory from this book. You can learn how to use internet banking system and smart phone banking system from this book Monthly Fund report▶ You can check the performance of each retirement pension fund from this report. Monthly investment guide▶ You can learn how to invest your financial asset and get the best of it. 22

8. Ongoing DC participant Service • Retirement pension service by internet banking, smart phone banking, ATM, Call center – – Internet banking : KB has independent address of web site (www. kbpension. co. kr), and you can also access this web site through main home page’s link. KB provides a full English version of it(identical to Korean version) so foreign participants have no difficulty in using it. KB has launched retirement pension service through smart phone banking for the first time among banks. You can check your pension account at any time and you can even transfer your voluntary contributions through your smart phone. KB has almost 10, 000 ATM nationwide. By ATM, you can also check your registration info. , contribution reserve amount, valuated amount of reserves, expected retirement benefits(in case of DB) as of today. If you have any difficulty in using above mentioned tool or you have any questions on your pension account, you can be helped by KB retirement pension call center, too. KB retirement pension call center has a phone number(15990099) separated from main call center(1599 -9999). This means specialized consultants on retirement pension(more than 141 people) will respond to each call. Call centers are located in Seoul and Dae. Jeon. 1599 -0099 Retirement pension call center at Dae. Jeon. ▼ ▲Retirement pension service menu on ATM Smart phone banking▶ 23

9. Fees • Fee table Plan administration Application Rate Average balance of reserve x fee rate < 1 billion won : 0. 50% 1 ~ 3 billion won : 0. 40% 3 ~ 7 billion won : 0. 35% 7 ~ 10 billion won : 0. 33% 10 ~ 50 billion won : 0. 30% 50 ~ 100 billion won : 0. 25% 100 ~ 200 billion won : 0. 20% ≥ 200 billion won : 0. 18% – • Asset management Application Average balance of reserve x fee rate Rate 0. 30% The plan administration fee of the first year is exempted about the amount that is transferred from other vendor. Fee discount for long-term contract Year Discount rate – From 2 nd year 10% discount – From 3 rd year 12% discount From 4 th year on 15% discount – KB discount service fees for the first time among banks and other banks tend to follow KB’s fee structure. There’s no discount in security companies’ fee structure as yet. Some of the insurance companies give a discount only on the plan administration fee and that from the 3 rd year. KB is the first vendor which gives a discount both on plan administration fee and on asset management fee. 24

10. Multi- national Company client list • Only major companies are sorted out among more than 200 multi-national company clients. Name Dow Chemical Henkel (Technology/Homecare) Homeplus Tesco BP Korea CISCO Systems Korea IBM Korea Industry Manufacturing (Chemical) Manufacturing Retail sales (Life items) Manufacturing (Chemical) IT Solution (Office Network) IT software, solution (IT Consulting) Name Unilever Korea DB SCHENKER Korea Schott Korea Manufacturing (Glass product) Fuji Xerox Korea Manufacturing (Office Supplies) Amway LSG Sky Chefs Korea Medtronic Korea Manufacturing (Medical tools) Linar Life Insurance American Standard Korea Manufacturing (Bath and kitchen tools) Ecolab Korea Techno Semicam Manufacturing (Semiconductor items) HP-DIS Expeditors Korea Logistics (consolidation and forwarding) Bank of China Toray Advanced Materials Filter Tech Korea Liebherr Korea Bank IT Materials (Polyester Film) Manufacturing (Car components) Manufacturing (Construction machinery) Logistics Manufacturing(semiconductor) Finance (Asset management) medicine and medical supplies Manufacturing(Chemical) Fairchild Korea semiconductor Allianz Global Investors Korea Pfizer pharmaceuticals Korea Industry Coffee Bean Korea Rohm & Hass Korea Costco Korea NMB Korea Zimmer Korea ICBC Wholesale (soap ) Manufacturing (Food service on airplane) Life Insurance Manufacturing (Cleaning, Sanitizing) Manufacturing (IT System management) Manufacturing (Coffee, Bread) Manufacturing (Electronic materials) Retail sales (Life items) Manufacturing (Machined components) Manufacturing (Medical tools) Bank 25

11. Financial stability • Credit ratings – – KB’s credit ratings are always the highest of all financial institutions. KB’s overseas credit ratings are the same as that of the sovereign ratings of Republic of Korea. Domestic ratings Credit rating company Valuating date AAA Korea ratings 2011. 03. 31 AAA Nice information service 2011. 04. 29 AAA Korea investors service 2011. 08. 01 A S&P 2010. 28 Prospect : stable A 1 Moody’s 2011. 07. 03 Prospect : stable A Fitch 2011. 07. 25 Prospect : stable Overseas ratings • BIS ratio – BIS ratio has always been higher than 8% which means KB always keeps its financial condition sound and stable. Year FY 06 FY 07 FY 08 FY 09 FY 10 Average BIS Ratio 14. 2 12. 6 13. 2 14. 0 13. 4 13. 5 26

12. Other services offered to participants • • Financial service Service Credit loan Mortgage loan Lease loan Suggestion Lowest level of loan rate among banks Details KB provides lowest level of loan rate among banks for Credit loan. KB provides lowest level of loan rate among banks for retirement pension secured loan, mortgage loan, and lease loan. If any occasion of foreign currency transfer or exchange, there is a discount up to 90%. Educational & Cultural service Suggestion details Consulting Service Free consulting by licensed experts Provides consulting service for areas such as finance, human resources and financial consultation field Information Session Open lecture Provides consulting service for areas such as finance, human resources and financial consultation field On-line Education Price discount -Maximum 20% of discount when using online educational institutions such as n. Pagoda, Hunet, Rosetta World, Global 21, I Choongang etc. -20% discount on classes via Telephone which has 250 native teachers from prestigious universities. Supporting programs for retirees Free Course Foreign Exchange Service Up to 90% discount Commissi on fee No fee Traveler insurance Free registration of traveler insurance is provided when using foreign exchange service. On-line Book store On-line Book purchase Maximum 60% of discount and free delivery service when using online book store KB cyber network No need to visit off-line branch KB can open cyber branch inside J&J intranet. If you log in this branch, you can borrow money without any paperwork. KB Wise Green Camp Summer/ Winter camp for kids Provides economics class for children with various outdoor activities. All frequently used banking services are free. Re-employment/ start-up business supporting programs for retirees 27

12. Other services offered to participants • • Personal Life service Leisure Service Suggestion Details Service Suggestion Health Screen center Low price Discount on health check fee which is applied to 80 general hospitals over the country Amusement Park 65% discount Discounted ticket of Popular amusement parks such as Lotte World, Everland Funeral Support 50% discount Compare to general funeral service, it provides 50% cheaper funeral service. Hotel/Resort Discount on condominium /hotel reservation service Car rental More than 65% Discount 65% ~ 75% discount on rental car companies such as AVIS, Web Tour Meeting room Offer KB’s facilities Lending conference room and training institute amenities for work shop. Golf 10% Discount 10% discount on reservation Ace Golf Leisure Activity 40% Discount 40% discount on leisure sports facilities such as Camping car, horse-riding, shooting, water-skiing, skiing etc. Movie and show tickets 50% discount Maximum 50% discount on movie and show tickets which is only available through ticket link, auction ticket, clip service and mom school services. Service Internet Shopping mall More points Low price Restaurant Discount Coupon Family restaurant gift card for Happy money, Outback steak house, VIPS etc is offered at a discounted price. Gift delivery services 10% discount on delivery services’ of Jong. No Bok Dok, Crown Bakery products. Wedding package 15% discount Shopping glasses 15% discount maximum 65% discount when using Lottedotcom, Samsung mall, I park mall 15% discount offered for wedding package. 15% discount offered for using 1001 or See-channel optician’s Details 28

13. Multiful language support • English and Japanese services are provided. – – – Multi-national company team of KB retirement pension department will join in the conference call meeting. Recommendation of products and investment choices are often discussed. English version of plan document and service contracts are also provided, if they are needed. KB provides a full version of English website. In this site, much information about products, regulations and simulators can be found. This also helps foreign participants understand KB’s service spectrum and get useful information. ▼English version of KB retirement pension web site. Foreigners can use retirement pension service menu without any difficulties. A conference call meeting with overseas staff s in charge of corporate pension is frequently held. KB produces meeting materials in English and gives opinions to participants at this meeting. ▶ English documents are frequently provided. ▼ 29

14. KB retirement pension Service Channel Reports and Educational materials Pension business department • Support organization in main office • Including actuary, tax accountant, labor attorney, CPA • Management status report • KB retirement pension Monthly Report • KB retirement pension legal education materials • Other customized investment reports 1, 151 branches nationwide • Largest branch network in financial sector • 2, 290 staffs for pension service (As of 2 nd Q of 2011) KB retirement pension service channel Designated branch • Additional services like loan rate discount and foreign exchange • Designated near the place of business Smart Phone Banking • Participants info. • Accounts info. • Reserve amount • Inquiry on additional contributions Internet banking Call center • 1599 -0099 • 141 consultants who respond on inquiry of retirement pension 9, 425 ATM nationwide • Inquiry on retirement pension information • User authentication through bank book or card • ISO 27001 international security authentication • English version is also provided. • All functions for managing pension accounts are available. • Cyber retirement pension education center 30