Common use of Terms and conditions of the transaction Clause in Contracts

Terms and conditions of the transaction. The terms and conditions applicable to credit transactions shall be as follows: (in case of several types of transactions, please ▇▇▇▇ “v” or the relevant number in the ( ) spaces below after receiving explanation from the Bank employee). Credit Item(Type) Standard loan Classification of Transaction □ Revolving Non-Revolving Credit Amount(Maximum) KRW 20,000,000,000 Credit Commencement Date December 30, 2015 Maturity Date December 30, 2018 Interest Rate and Others □Fixed □ [ ]% per year until maturity date□ Base rate ( ) + ( )% Floating Base rate (3-Month CD) + (2.13)%□ Other ( ) Default penalty rate Default penalty rate shall be the interest rate set forth in Article 1 plus the below default interest rate to the extent of maximum (15)%: If the overdue period is (1) month or less: 6% per year If the overdue period is (3) months or less: 7% per year If the overdue period is over (3) months: 8% per year Calculation method of interest and default penalty Unless stated otherwise, loan interest and default interest shall be computed daily on a three hundred sixty five-day calendar year (366 days in case of leap years). However, in the case of foreign exchange transactions, international practices and commercial customs shall apply. Early Repayment Fee Early repayment fee shall be the amount of the early repayment x early repayment fee rate x (the remaining loan period/loan period). This shall be applied for (3) years from date of initial loan (including extended periods). The early repayment fee rate shall be (1.4)%.□ Others ( ) Commitment Fee for Unused Credit Limit □ Unused amount from agreed credit limit (i.e. average balance of agreed credit limit - average balance of credit during operation period) x ( )% x operation period/365(366 days in case of leap years, and 360 in case of foreign exchange loan) Credit ExecutionMethod The loan shall be executed in lump sum on the Credit Commencement Date.□ The loan shall be executed in installments after the Bank confirms the purpose and the specific amount of the loan to be extended based on submitted evidentiary documents, the goods or others.□ The loan shall be executed upon the Borrower’s request satisfying certain requirements.□ Others ( ) Method of Repayment □ The loan shall be fully repaid in lump sum on the Maturity Date.□ The loan shall be repaid in installment every (*) months from [dd/mm/yyyy] with a grace period of (*) years and (*) month(s) from the Credit Commencement Date.□ The loan shall be repaid freely; however, it shall be fully repaid in lump sum on or prior to the Maturity Date of one revolving period.□ Others ( )※Ø Please note that repayment using automatic banking device or e-banking may not be treated as repayment having been made on that day. Date and Method of Interest Payment □ The initial interest shall be prepaid on the Credit Commencement Date and the interest accruing thereafter shall be prepaid on the last computation date of the paid interest.□ The interest shall be prepaid by the date preceding to the Maturity Date of ▇▇▇▇.□ The initial interest shall be paid within ( ) month from the Credit Commencement Date and the interest accruing thereafter shall be paid within ( ) month from the date following the last computation date of the paid interest.□ The interest shall be paid on the day that the principal of the loan payable in installment is paid or the day that a monthly accumulation amount is paid.□ The interest shall be paid on the ( )th day of each month□ The interest shall be paid on the Maturity Date.□ The interest shall be paid on the settlement date of every month designated by the Bank□ Others ( )※Ø Please note that repayment using automatic banking device or e-banking may not be treated as repayment having been made on that day.

Terms and conditions of the transaction. 1.1 The terms and conditions applicable to credit transactions shall be as follows: (in case of several types of transactions, please ▇▇▇▇ “v” or the relevant number in the ( ) spaces below after receiving explanation from the Bank employee). Credit Item(Type) Standard loan Classification KRW 20,000,000,000 □Fixed % 1 1 3 □ RevolvingNon-Revolving □Floating Base rate (CD rate of Transaction return) + (2.1%) Floating cycle (91 days) KRW □Fixed % □ Revolving Revolving□Non-Revolving Credit Amount(Maximum) KRW 20,000,000,000 Credit Commencement Date December 30, 2015 Maturity Date December 30, 2018 Interest Rate and Others □Fixed □ [ ]% per year until maturity date□ Floating Base rate ( ) + Additional rate ( )) Floating cycle ( ) KRW □Fixed % □ Revolving□Non-Revolving □Floating Base rate (3-Month CD( ) + (2.13)%□ Other Additional rate ( ) Default penalty rate Default penalty rate shall be the interest rate set forth in Article 1 plus the below default interest rate to the extent of maximum (15)%: If the overdue period is (1Floating cycle ( ) month or less: 6% per year If the overdue period is (3) months or less: 7% per year If the overdue period is over (3) months: 8% per year Total Amount KRW 20,000,000,000 Foreign Currency Calculation method of interest and default penalty Unless stated otherwise, loan Loan interest and default interest shall be computed daily on a three hundred sixty five-day calendar year (366 days in case of leap years). However, in the case of foreign exchange transactions, international practices and commercial customs shall apply. Default penalty rate shall be the interest rate (guarantee fee) set forth in Article 1 plus the default interest rate for any overdue amount to the extent of maximum (15)%; provided that if interest rate of credit exceeds the maximum default penalty rate, interest rate of 2% shall be added to the credit interest rate. The default interest rate shall be (6)% for the default period of not exceeding (1) month; (7)% for more than (1) month but less than (3) months; and (8)% for more than (3) months. Early Repayment Fee Early repayment fee shall be Market Rate Linked Credits, (New) Base Interest Rate Credits, Single Interest Rate Credits - the amount of the early repayment x early repayment fee rate (1.4)% x (the remaining loan period/loan period). This Provided, that if the loan period exceeds 3 years, shall be applied seen as 3 years. Article 3 shall apply for (3) years from date of initial the remaining loan (including extended periods)period. The early repayment fee rate shall be (1.4)%.□ Others Others: ( ) Commitment Fee for Unused the Agreement on Credit Limit □ Unused Fee: (the limit amount from agreed credit limit (i.e. average balance of agreed credit limit - average balance of credit during operation period) x ( )% x operation period/365(366 days per annum) shall be paid in case of leap years, and 360 in case of foreign exchange loan) accordance with Article 7. Credit ExecutionMethod The loan shall be executed in lump sum on the Credit Commencement Date.□ . The loan shall be executed in installments installment within (*) years and (*) month(s) from the Credit Commencement Date after the Bank confirms shall confirm the purpose and the specific amount of the loan to be extended based on submitted evidentiary documents, the goods or others.□ . The loan shall be executed upon the Borrower’s request satisfying certain requirements.□ Others ( ) . Method of Repayment □ The loan shall be fully repaid in lump sum on the Maturity Date.□ . The loan shall be repaid in installment every (*) months from [dd/mm/yyyy] with a grace period of (*) years and (*) month(s) from the Credit Commencement Date.□ . The loan shall be repaid in installment every (*) months from [dd/mm/yyyy] without grace period after the date of final credit issuance. The loan shall be repaid in equal installment monthly on the such day of Credit Commencement Date after credit issuance The loan shall be repaid freely; however, it shall be fully repaid in lump sum on or prior to the Maturity Date of one revolving period.□ Others ( )※Ø period.※ Please note that repayment using automatic banking device any deposit amount to the Bank’s account through ATM or e-banking any electronic financial medium after the close of the bank’s operation hours may not be treated as the repayment having been made on that day. Date and Method of Interest Payment □ The initial interest shall be prepaid on within the Credit Commencement Date and the interest accruing thereafter shall be prepaid on the last computation date of the paid interestdate.□ The interest shall be prepaid by the date preceding to the Maturity Date of ▇▇▇▇.□ The initial interest shall be paid within ( ) month from the Credit Commencement Date and the interest accruing thereafter shall be paid within ( ) month from the date following the last computation date of the paid interest.□ The interest shall be paid on the day that the principal of the loan payable in installment is paid or the day that a monthly accumulation amount is paid.□ The interest shall be paid on the ( )th day of each month□ The interest shall be paid on the Maturity Date.□ The interest shall be paid on the settlement date of every month designated by the Bank□ Others ( )※Ø Please note that repayment using automatic banking device or e-banking may not be treated as repayment having been made on that day.