(An investment account where funds remain on deposit for a specified term)

1. Investment with the security of fixed interest rate and fixed term.
2. Flexible and affordable investment plan - $1,000 minimum deposit.
3. Higher yield in Saehan Bank.
4. Convenient term from 7 days or more.
5. Interest can be paid monthly, quarterly, semi-annually, annually, or at maturity.
6. Upon customer's request certificates renew automatically on maturity date at the prevailing
   interest rate for the term involved.
7. Additional deposits are allowed during renewal grace period.
8. Maturity notice is mailed to customer approximately 15 days prior to maturity date.
9. Customer has 10 days grace period for automatically renewable accounts from the maturity
   date during which withdrawals can be made without penalty.