3 VIII. OPERATING AND FINANCIAL REVIEW AND PROSPECTS 5 IX. DIRECTORS, SENIOR MANAGEMENT AND EMPLOYEES 6 X. MAJOR SHAREHOLDERS AND RELATED PARTY TRANSACTIONS 7 XI. INTERESTS OF EXPERTS AND COUNSEL 8

. DIRECTORS, SENIOR MANAGEMENT AND EMPLOYEES ..................................... 12 XI. MAJOR SHAREHOLDERS AND RELATED PARTY TRANSACTIONS ..................... 12 XII. INTERESTS OF EXPERTS AND COUNSEL

EXPERTS AND COUNSEL ............................................................. 12 XII. FINANCIAL INFORMATION ................................................................................ 12 XIII

. Nevertheless, in order to minimize the risk regarding the Company’s management and to reinforce the confidence that the management is carried out by professionals in order to achieve its goals, the Company must

] announce a guideline and give instruction for process according to the guideline to the SEC Office. The committee under the first paragraph shall comprise not more than 5 experts in money market or capital

300.00 160.00 5) Equipment used in performances 60.00 120.00 60.00 6) Labor and experts costs 70.00 130.00 60.00 7) Advertising expenses 20.00 30.00 10.00 8) Financial costs 50.00 180.00 130.00 10

performances 60.00 120.00 60.00 6) Labor and experts costs 70.00 130.00 60.00 7) Advertising expenses 20.00 30.00 10.00 8) Financial costs 50.00 180.00 130.00 10 Investment Cost Past Budget Revised Budget

2018, KBank worked with our business partner to organize a seminar entitled “KBank Private Banking: Insight on the Emerging Frontier”, wherein experts in various fields were invited to provide knowledge

. Related Party Transactions × XII. INTERESTS OF EXPERTS AND COUNSEL XIII. FINANCIAL INFORMATION A. Consolidated Statements and Other Financial Information × B. Significant Changes × XIV. ADDITIONAL

among SMEs via activities. Our customers are offered one-on-one financial advisory service by KBank specialists, while our well-versed partners from various businesses provide support and consultation