proposal of retirement pension for □ □ □ kb pension business department

Proposal of retirement pensionfor □ □ □

KB pension business department

1. Investment products offered on DC pension plan and past performance

2

• 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 Promised rate of return as of Nov.4, 2011 (Unit : %)

3month 6month 1year 2year 3year 5year

Principal guaranteed products KB time-deposit 2.85 3.20 4.69 4.86 4.96 5.11

※ KB wise time-deposit will be offered for ○○○ Korea.

Product type Product name Past performance as of Oct. 31, 2011(Unit : %)

3month 6month 1year 2year Inception date

Performance based products

KITMC Retirement Annuity Value Balanced-Feeder(2) -4.70 -6.16 3.05 13.91 45.53

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 KRX100 Index40 Stable Balanced 1 -2.31 -3.48 4.47 15.43 57.38

MiraeAsset 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 1.95

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

• 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.

1. Investment products offered on DC pension plan and past performance

3

100%

Time-deposit

Stable

20%

80%

KB RP Bond Mixed

Stable-inclined

25%

25%

50%

Samsung Pension KoreaBlue Chip 40 SecuritiesFeeder

Neutral

30%

30%

20%

20%

KITMC RetirementAnnuity ValueBalanced-Feeder(2

35%

35%30%Aggressively

invested

Stable Stable-inclined Neutral Investment-inclined Aggressively invested

Expected return

Time-deposit

rate of returnTime deposit rate+1~2% Time deposit rate+3~4% Time deposit rate+6~8%

Time deposit rate+8~12%

Equity Exposure

0% 8% 20% 32% 40%

Investment-inclined

[Appendix] sample of DC investment

• These are the real example of DC investment

4

Fund A40%Time

deposit60%

Fund A40%Time

deposit60%

Time-deposit

100%

Time-deposit

100%

• Rate of return : 6.23%• Start from Mar. 2009

S co., Male 58 M co., Female 67

Fund B30% Fund A

40%

Fund C30%

Fund B30% Fund A

40%

Fund C30%

• Rate of return : 5.73%• Start from May. 2008

• Rate of return : 14.65%• Start from April 2009

D co., Male 74

2. DC product selection/review process

• Product selection process

5

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 6m/1yr/2yr 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

Research Report (Internal)

Product FilteringProduct Filtering

Product Selection Committee

Product Selection Committee

Report (34 AMCs)

Historical Performance Data

Reference (Research Companies)Report (Fund Rating Agencies)

Fund Rating AgenciesFund Rating AgenciesProduct Selection Dept.Product Selection Dept. Retirement Business Dept.

Retirement Business Dept.

Trust Business Dept.

Trust Business Dept.

Affiliated Product Dept.

Affiliated Product Dept.

2. DC product selection/review process

• Product review process

6

Activity Contents Details

Market research Stock / Bond / Basic rate / Market review & outlook • KB Research reporting• Each AMC’s reporting data

Product Monitoring Examine of lined up products• Recent performance (1/3/6m/1yr)• Outperformance with same type products

AMC monitoring Examine of AMC• Asset allocation check• Change of fund manager

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

Review of

Asset

management

company

Factor Details

Overall Management

•Investment Philosophy/•Strategy Changes

•Invested asset Changes

Organization

•Organizational Changes•Executives status•Main fund manager’s replacement

Others•Market Disaster Recovery Plan•Risk management strategy

Review of

Investment

fund

Factor Details

Fund Manager •Fund Manager Changes

Investment Philosophy

•Investment Style Changes

Performance

•NAV, Performance, •BM comparison, GIPS•Market (Performance) outlook

Risk Factor

Analysis•Product Credit Risk Monitoring

General checking factors of Review process

- KB had kicked out several fund products that showed bad performances

[Appendix] Most defensive funds list in the bear market.

• Article from Mae-il Kyung-je newspaper (on Aug. 15th, 2011)

7

KB has them!

[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 are almost 300 bond mixed funds in the market)

8

RankingAsset management

companyFund name

1 year rate of return



1 KB AMC KB RP Bond Mixed 15.38 46.95 71.82

2 Samsung AMC Samsung Pension Korea Blue Chip 40 Securities Feeder 11.97 36.23 65.63

3 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 MiraeAsset RP Solomon Balanced Feeder Investment 6.59 32.42 50.85

7 Mirae AMC MiraeAsset retirement plan 40 balanced feeder 1 6.22 32.18 50.49

8 Mirae AMC MiraeAsset retirement plan balanced feeder 1 6.17 32.11 50.20

9 Mirae Maps Mirae MAPS RP KRX100 Index40 Stable Balanced 1 6.55 27.45 49.72

KB has them!

3. Plan and experience

• Contracts, participants, Reserve amount

• Comparison of vendors’ reserves (As of end of June, 2011)

9

Item Figures

Total

Number of contracts(Plan Administration) 26,476

Participants 533,703

Reserve amount(bil.won) 3,546

DB Contract




DC Contract




(As of end of Sep.,2011)

(bil. Won)

DC reserve amount▲

1st

(tril. Won)

Total retirement pension reserve amount▲(including DB, DC, IRA)

2nd

4. Support on employee education

• Organization to support employee education

• Dedicated team for ○○○ Korea

10

Role / Program Detailed info.

Dedicated team for ○○○

• Make educational materials• F2F Consulting for DC investment• Follow-up control• Educational material documentation

Team manager / Account manager

Focal contact / Investment counselor

KB Retirement Pension Education Center

• Pension-related finance education• ERBSA / Income Tax / Corporate Tax

Labor attorney /Tax accountant

Accountant / Actuary

KB HRD Dept.(Training Center)

• Development of Cyber Education center programs• Offering Training center/reservation/management• General education programs

Four KB training centers in Korea(Cheonan/Ilsan/Sokcho/Daecheon)

WM (Wealth Management)Business Dept.

• Host ‘Mobile finance education seminar’• Open ‘Counseling Desk’

Real-estate (Housing market)Stock investment / Derivatives Commodity (Gold) / FX marginTax consultation

Cyber Education Center• Management of Cyber education programs• CD manufacturing

Retirement Pension / InvestmentGeneral finance education

Name Qualification Experiences

Seoung-Mok, Shin•Team Head/ CFP

•Career : 10 yearsMBC, 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

Yoon-ki, Jang•Senior consultant •Career : 5 years•AFPK

Henkel Korea, Dow Chemical, Costco, IBM, Medtronic, ICBC etc

Joong-ho, Choi•Certified Public labor attorney•Career : 8 years

KHNP, KIA motors, KCC, KRA etc

Yoon-Sup, Kwon•Pension actuary, Licensed tax accountant•Career : 10 years

MBC, KHNP, Hyundai Motors,Samsung Tesco, CISCO Systems Korea, BP Korea, LSG skychef, etc


• List of employee education

11

Service Method of delivery Process and Contents

Retirement pension Information session

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 postingPost,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).

Face to face session

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.


• Image of employee education

12

Open lecture : Q&A ▲KB cyber education center▲

KB retirement pension call center ▲ KB guide books and Video clips ▲


• Face to face counseling

– 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

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.▲

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.

14

Process Purpose / Contents Note

1 Pre-Survey• Understanding level of Retirement pension• Opinion about retirement pension system

• Initial Survey• Employee issue, trend and preference

2 Education session• Understanding background• Compare with current system• Features / Advantages / Disadvantages

• Education session for whole employees• Q & A session

3Follow-up(Survey)

• Possibility of consent• Consent rate check

• 2nd Survey after education session

4 Consent completion• Completion of DC plan• Distribution of agreement form

• Pension Rules/Consent Documentation• Reporting to MOEL

Follow-up ConsentSession/Q&ASurvey

5. Consent process

• Supporting activities of KB

15

Related to Type Supporting activities of KB

Documentation

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 documents

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.

Coordinating with the consulting firm

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.

6. Ongoing DC administration support

• Various educational materials are offered for HR team to operate pension plan well.

16

Retirement pension account reports

Account information for employers

Account status Products/rate of return

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

Investment recommendation Market status and

investment strategy Sent by E-Mail

Guide book(DB/DC) Educate retirement pension

operating method and process

Guide book(DB/DC) Educate retirement pension

operating method and process

Q&A book on retirement pension regulations.

Theory of investment, retirement plan design

Q&A book on retirement pension regulations.

Theory of investment, retirement plan design

Material for HR team Video clips on retirement

pension system and investment activities

Material for HR team Video clips on retirement

pension system and investment activities

Internet banking guidebook Operating by Internet

Internet banking guidebook Operating by Internet

동영상 자료

Retirement pension market news

Legal issues KB retirement pension news

Retirement pension market news

Legal issues KB retirement pension news

Published by KB financial research center

Monthly report on industry Real estate market Stock/Bond market

Published by KB financial research center

Monthly report on industry Real estate market Stock/Bond market


• 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.

17

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.▼


• 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.

18

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.


• 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

21

Name Roll Certificates

JiWhan, Park General managementDerivatives/fund

investment Consultant

JooHan, Kim Asset management AFPK

YoonSup, Kwon Tax/IFRS/Actuary Tax account & Actuary

JoongHyuk, LeeAccouting/

IFRS/Actuary CPA & Actuary

SongA, Jo Tax / CS Tax account

SeulKi, Lee IFRS/ Actuary Actuary

• Retirement pension counseling team

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.

◀


• Educational materials for DC participants

22

◀What is the retirement pension?

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.

◀Internet banking guide

You can learn how to use internet banking system and smart phone banking system from this book

Monthly investment guide▶

You can learn how to invest your financial asset and get the best of it.

Monthly Fund report▶

You can check the performance of each retirement pension fund from this report.


• 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(1599-0099) 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 DaeJeon.

1599-0099

Retirement pension call center at Dae-Jeon.▼

Smart phone banking▶

▲Retirement pension service menu on ATM

23

http://www.kbpension.co.kr/

9. Fees

• Fee table

– 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

24

Plan administration Asset management

Application Rate 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%

Average balance of reserve

x fee rate0.30%

Year Discount rate

From 2nd year 10% discount

From 3rd year 12% discount

From 4th 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 3rd year.

– KB is the first vendor which gives a discount both on plan administration fee and on asset management fee.

10. Multi- national Company client list

• Only major companies are sorted out among more than 200 multi-national company clients.

25

Name Industry Name Industry

Dow Chemical Manufacturing (Chemical) Unilever Korea Manufacturing(Chemical)

Henkel (Technology/Homecare) Manufacturing DB SCHENKER Korea Logistics

Homeplus Tesco Retail sales (Life items) Fairchild Korea semiconductor Manufacturing(semiconductor)

BP Korea Manufacturing (Chemical) Schott Korea Manufacturing (Glass product)

CISCO Systems Korea IT Solution (Office Network) Fuji Xerox Korea Manufacturing (Office Supplies)

IBM Korea IT software, solution (IT Consulting) Amway Wholesale (soap )

Allianz Global Investors Korea Finance (Asset management) LSG Sky Chefs Korea Manufacturing (Food service on airplane)

Medtronic Korea Manufacturing (Medical tools) Linar Life Insurance Life Insurance

American Standard Korea Manufacturing (Bath and kitchen tools) Ecolab Korea Manufacturing (Cleaning, Sanitizing)

Techno Semicam Manufacturing (Semiconductor items) HP-DIS Manufacturing (IT System management)

Expeditors Korea Logistics (consolidation and forwarding) Coffee Bean Korea Manufacturing (Coffee, Bread)

Pfizer pharmaceuticals Korea medicine and medical supplies Rohm & Hass Korea Manufacturing (Electronic materials)

Bank of China Bank Costco Korea Retail sales (Life items)

Toray Advanced Materials IT Materials (Polyester Film) NMB Korea Manufacturing (Machined components)

Filter Tech Korea Manufacturing (Car components) Zimmer Korea Manufacturing (Medical tools)

Liebherr Korea Manufacturing (Construction machinery) ICBC Bank

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.

• BIS ratio– BIS ratio has always been higher than 8% which means KB always keeps its financial condition sound and stable.

26

Credit rating Credit rating company Valuating date

Domestic ratings

AAA Korea ratings 2011.03.31

AAA Nice information service 2011.04.29

AAA Korea investors service 2011.08.01

Overseas ratings

A S&P2010.10.28

Prospect : stable

A1 Moody’s2011.07.03

Prospect : stable

A Fitch2011.07.25

Prospect : stable

Year FY06 FY07 FY08 FY09 FY10 Average

BIS Ratio 14.2 12.6 13.2 14.0 13.4 13.5

12. Other services offered to participants

• Financial service

27

Service Suggestion Details

Credit loan

Lowest level of loan rate

among banks

KB provides lowest level of loan rate among banks for Credit loan.

Mortgage loan Lowest level

of loan rate among banks

KB provides lowest level of loan rate among banks for retirement pension secured loan, mortgage loan, and lease loan.Lease

loan

Foreign ExchangeService

Up to 90%discount

If any occasion of foreign currency transfer or exchange, there is a discount up to 90%.

Commission fee

No feeAll frequently used banking services are free.

Travelerinsurance

Free registration

Free registration of traveler insurance is provided when using foreign exchange service.

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.

• Educational & Cultural service

Service Suggestion details

ConsultingService

Free consultingby licensed

experts

Provides consulting service for areas such as finance, human resources and financial consultation field

Information Session

Open lectureProvides 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 nPagoda, 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 CourseRe-employment/ start-up business supporting programs for retirees

On-lineBook store

On-line Book

purchase

Maximum 60% of discount and free delivery service when using online book store

KB Wise Green Camp

Summer/Winter camp

for kids

Provides economics class for children with various outdoor activities.

12. Other services offered to participants

• Personal Life service

28

• Leisure Service


HealthScreencenter

Low price

Discount on health check fee which is applied to 80 general hospitals over the country

FuneralSupport

50% discount

Compare to general funeral service, it provides 50% cheaper funeral service.

InternetShopping

mall

More pointsLow price

maximum 65% discount when using Lottedotcom, Samsung mall, I park mall

RestaurantDiscountCoupon

Family restaurant gift card for Happy money, Outback steak house, VIPS etc is offered at a discounted price.

Gift delivery services

10% discount

10% discount on delivery services’ of JongNo Bok Dok, Crown Bakery products.

Wedding package

15% discount

15% discount offered for wedding package.

Shoppingglasses

15% discount

15% discount offered for using 1001 or See-channel optician’s


AmusementPark

65% discount

Discounted ticket of Popular amusement parks such as Lotte World, Everland

Hotel/Resort DiscountDiscount on condominium /hotel reservation service

Car rentalMore than

65% Discount

65% ~ 75% discount on rental car companiessuch as AVIS, Web Tour

Meeting room

Offer KB’s

facilities

Lending conference room and training institute amenities for work shop.

Golf10%

Discount10% discount on reservation Ace Golf

LeisureActivity

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.

13. Multiful language support

29

• 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 .▼

14. KB retirement pension Service Channel

30

KB retirement pension service channel

Pension business department

• Support organization in main office• Including actuary, tax accountant,

labor attorney, CPA

1,151 branches nationwide

• Largest branch network in financial sector

• 2,290 staffs for pension service(As of 2nd Q of 2011)

• Additional services like loan rate discount and foreign exchange

• Designated near the place of business

Designated branch

Call center

• 1599-0099• 141 consultants who respond on

inquiry of retirement pension

Reports and Educational materials

• Management status report• KB retirement pension Monthly

Report• KB retirement pension legal

education materials• Other customized investment

reports

Smart Phone Banking

• Participants info.• Accounts info.• Reserve amount• Inquiry on additional

contributions

Internet banking

• ISO27001 international security authentication

• English version is also provided.• All functions for managing

pension accounts are available.• Cyber retirement pension

education center

9,425 ATM nationwide

• Inquiry on retirement pension information

• User authentication through bank book or card

proposal of retirement pension for □ □ □ kb pension business department

Documents

rp bond feeder

investment products

dc pension plan

promised rate of return

rp index

securities feeder fund

rp brics

rp bond mixed