the transmission of information among various KBank units. Significant efforts range from the classification and assessment of risks arising from data usage to the installation of systems allowing KBank
agreement periods that the company obtains the benefits. Note: 1. In the first quarter of 2019, the company has changed the classification of operating income and cost of sales resul ting in the operating
of intangible asset from the acquisition of GLOW 2. From the second quarter of 2019, the company has changed the classification of operating income and cost of sales resultin g in the operating income
customers’ and KBank’s important data, primarily taking into account proper data storage and use. To this end, we prioritize data classification, assessment of risk from data use, and installation of a system
financial due diligence of SUTG and do not found the material adverse effect to the business transfer transaction and as of the business transfer date and there is no any event, circumstance or change that
future business expansion outside Philippines shall be subject to any discussion between the Company and Kinpo Group based on the circumstance that either the Company or Kinpo Group is more appropriate to
the following persons to the SEC Office through a system prepared on the website of the SEC Office within 7 business days as from the occurrence of such circumstance: (1) persons under Clause 5, Clause
; or (g) any other circumstance. (3) terms regarding restitution for compensation similar to the aforementioned circumstances to counterparty which have relevant details, for example, dividend and
other circumstance. (3) terms regarding restitution for compensation similar to the aforementioned circumstances to counterparty which have relevant details, for example, dividend and interest which the