Instructions on how to use KEB’s Smart-phone banking application

1. Instructions on how to use KEB’s Smart-phone banking application • Apply for KEB internet-banking: If you are not an internet-banking user, please register for this service at a nearby KEB branch. Before beginning installation of the smart-phone banking application, you must download a digital certificate on your computer or a USB-drive. For how to register internet banking or download a digital certificate, please refer to our internet banking usage guide for first-time users (Link on the last slide) • For iPhone users: Search for the “KEB M BANK” application in your App StoreFor Android phone users: Search for the “외환” application in your Android Market • Download the “외환 M 뱅크” application • Digital certificate: In order to make transactions using this application, you need to transfer your digital certificate from your computer to the phone. Please follow the guidelines contained in the following slides

2. 2 1 • Go to our Korean internet banking page (http://www.keb.co.kr/) • Click on the “스마트폰뱅킹” button as highlighted above

3. 1 • On this page, move your mouse over “인증서복사(보내기)” and then click on “안드로이드/아이폰용” as has been highlighted in the box above

4. 1 • Click on the “안드로이드/아이폰용 인증서복사(보내기)” button as shown

5. 1 2 • Note: Your PC might request installing a few security programs at this stage. Please allow them to be downloaded and installed first • If you already have a valid Digital certificate installed on this PC, then it will be automatically detected and displayed in the dialog-box as shown above. In case you have stored the certificate on a portable device (like a USB-drive), select it manually • Enter your Digital certificate password (mind you, this one’s usually different from your internet-banking password) and click “확인”.

6. 2 1 3 4 On your smart-phone, open the KEB application (외환 M 뱅크) Go to “고객센터” at the bottom of your screen Then to “인증센터”, and select “인증서가저오기” A 16-digit number will be displayed on this screen as highlighted below. Click “다음”. Now return to your computer and enter this number

7. 2 1 3 4 5 • On this computer screen, please enter your 16-digit authorization number (인증번호) from the smart-phone. • Enter your Alien registration number here and click “다음” • Click “확인” • Create a new Digital certificate password for smart-phone usage only; re-enter the same password and click “인증서보내기” • Click “확인”

8. 2 1 3 • Input your Alien registration number (without the dash) and click the “확인” button • Type the newly-created Digital certificate password andclick the “확인” button • Click the “확인” button

9. Note for i-phone users: i-Phone users can do smart-phone banking in English. You can change your language options from the “Settings” tab located at the bottom of your phone’s screen, as has been highlighted on the image to the left Note for first-time internet banking users: We have an easy guide for first-time users of internet banking in English. Please refer to this guide to setup internet banking or to download digital certificate on your computer. Just copy paste the link given below on your browser: http://image.yescard.co.kr/yescard4/image/mail/200812/email_keb_fx/Internet_Banking_Guideline_for_Windows_User.doc