• Matters on organization and manpower;
• Matters on financial statement, profit and loss;
• Matters on financing and operation of funds;
• Matters on management indicators regarding soundness, profitability, productivity, etc.;
• Matters which influence bank management, such as management policy and risk management.

shall be complied with the Uniform Management Publication Standards of Financial Business determined by the Chairperson of the Korea Federation of Banks.

• Public announcement on the Internet home page shall be made to ensures that the standard contract terms and conditions may be available to users at any time, and public announcement at places of business shall ensure that the standard contract terms and conditions may be immediately available to users upon their request:
• Banks shall specify the enforcement date of their standard contract terms and conditions (if modified, including the enforcement date of the modified standard contract terms and conditions), comparison of standard contract terms and conditions before and after modification, applicability of the modified standard contract terms and conditions to the existing customers, and, if the sale of instruments to which standard contract terms and conditions apply is closed, the fact, date, etc. of such closing;(in case of revision, revised contents shall be posted for one month before effective date)
• Banks shall continue to publicly announce their standard contract terms and conditions for three years after relevant contracts are no longer valid.

• Agreed interest rate, or, in cases of variable rate savings (or savings with dividends variable on performance), the method of determining an agreed interest rate (or dividend rate) and an interest rate determined by such method, an interest rate for early termination, and an interest rate for termination on maturity;
• Annual earning rate, in cases of savings with a definite rate (or dividend);
• Method of calculating interest, timing and method of the payment of principal or interest, and restrictions concerning the payment of principal or interest;
• Fees and other incidental expenses (excluding fees, such as shall be borne by users for the purposes of carrying out activities required under Acts or exercising their interests or rights);
• Term of a contract (or the dates of commencement and expiration thereof), the method of terminating or renewing a contract, and the method of disposing of savings that have matured but have not yet been withdrawn;
• The minimum amount of transactions or the ceiling thereon, and requirements for opening savings accounts;
• Whether relevant savings are entitled to protection under the Depositor Protection Act, and if so, the ceiling thereon;
• Loss that may be suffered by depositors, and conditions under which such loss may occur;
• Term of validity of the information publicly announced;
• Favorable (exempted or reduced) tax rate or amount of each tax item and the period of such favorable treatment, and possibility of taxation or of the change in the tax rate;
• Conditions under which additional benefits are provided, and the details of such benefits (if such benefits are associated with loans, Article 70-2 shall apply);
• Other major contents of contracts applicable to relevant savings.

• Agreed interest rate, or, in cases of variable rate loans (or loans with dividends variable on performance), the method of determining an agreed interest rate (or dividend rate);
• Method of calculating interest, timing and method of the repayment of principal or interest, and restrictions concerning the repayment of principal or interest;
• Fees and other incidental expenses (excluding fees to be naturally borne by users for carrying out activities required under Acts or exercising their interests or rights);
• Term of a contract (or the dates of commencement and expiration thereof), the method of terminating or renewing a contract, and the imposition of damage for delay and other methods of disposition when principal or interest is overdue;
• The minimum amount of transactions or the ceiling thereon;
• Whether a security or guarantee is required;
• Restrictions on loan transactions and qualification requirements for applying for loans;
• Loss that may be suffered by borrowers, and conditions under which such loss may occur;
• Term of validity of the information publicly announced;
• Conditions under which additional benefits are provided, and the details of such benefits;
• Other major contents of contracts applicable to relevant loans.