Woori America Bank

(Internet Banking Agreement)

You understand that by selecting I Agree below, you will agree to the terms and conditions of this Agreement.

In this agreement, the words "we," "our" and "us" means Woori America Bank and eWoori means Woori America Bank Internet Banking Service. When we use the words "you" and "your" mean the Woori America Bank customer or all Woori America Bank customers who have a continuing relationship with us.

ACCEPTING THIS AGREEMENT

You may use eWoori to access all of your accounts through the Internet.

UNAUTHORIZED ACCESS

The Customer will be solely responsible for protecting against unauthorized access to the Internet Banking and its Internet Remittance Program, and any and all losses and damages arising from any unauthorized access to the Internet Banking and its Internet Remittance Program.

LIMIT OF OUR RESPONSIBILITY.

We agree to make reasonable efforts to ensure full performance of eWoori. We will be responsible for acting only on those instructions sent through the secure messaging facility within eWoori which are actually received and cannot assume responsibility for malfunctions in communication facilities not under their control that may affect the accuracy or timeliness of messages you send. We are not responsible for any losses or delays in transmission of instructions arising out of the use of any Internet Service Provider or caused by any browser software. We are not responsible should you give incorrect instructions or if your payment instructions are not given sufficiently in advance to allow for timely payment or delays in mail service.

Any information you receive from us is believed to be reliable. However, it can only be provided on a best efforts basis for your convenience and is not guaranteed. We are not liable for any deficiencies in the accuracy, completeness, availability or timeliness of such information or for any investment or other decision made using this information.

We are not responsible for any computer virus or related problems which may be attributable to services provided by any Internet Service Provider.

OUR RESPONSIBILITY TO YOU

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

If, through no fault of ours, you did not have enough money in your account to make the transfer.

If the transfer would have caused you to exceed your available credit.

If the automated teller machine where you are making the transfer did not have enough cash.

If circumstances beyond our control, or natural disasters such as fire or flood, prevented the transfer, despite reasonable precautions taken by us.

There are other exceptions stated in our agreement with you, such as:

• if we fail to stop payment on an automatic recurring transfer as you requested, but we did not receive your stop payment instructions at least three business days before the transfer was scheduled to be made, or
• if, through no fault of ours, the money in your account was attached, subject to legal process or was blocked in some other way, or
• if you are trying to defraud us.

ELIGIBLE ACCOUNTS

In order to access your accounts through Woori America Bank�s Internet Banking Service, you must have at least one eligible account with the Bank, and access to the Internet. For purposes of this Agreement, the term �Eligible Accounts� includes the following types of accounts:

• Checking
• Saving
• Certificate
• Loan

SERVICES

• Online Bank Statements
• Online Bill Payment
• Online Check Image
• Online Transfers (U.S. or Abroad)

REQUIREMENTS

To take full advantage of features available with this Internet banking software, ensure the following requirements are met:

• Woori America Bank Accounts
• Internet access

REQUIRED INFORMATION

• Access ID
• Password
• Social Security Number or Tax ID Number (123456789)
• Account Number
• Home Phone Number (i.e. 123-123-1234)
• Account Type (Saving, Checking, Certificate, or Loan)

- Within eWoori Internet Banking, you can change your password and security data anytime.

ONLINE SERVICE FEE

General access to the Online Service and Bill Pay Service are currently provided to you at no additional cost except Online Remittance Service and Stop Payment.

REMITTANCE

I agree that my Remittance Application is subject to the conditions set forth below:

All information on the Remittance Application, as applicable, must be completed, including my designation of any intermediary bank. My completion of the Remittance Application for a funds transfer shall constitute a payment order instructing Bank to execute or pay the order, subject to Bank's acceptance. The Bank may reject my order if the information is incomplete or unclear. Any error in the information provided by me, including misidentification of the beneficiary, incorrect or inconsistent account name and numbers, and misspelling, is my responsibility.

I understand that this remittance application will be subject to the verification of my identity and verification of the identity of the beneficiary.

I understand that if the Beneficiary's Bank is instructed to pay in a currency other than its local currency, payment will normally be made by Beneficiary's Bank at its rate of exchange on the date of its payment. I shall comply with all local currency restrictions and any other local laws governing the transaction.

I agree to be bound by the rules of all funds transfer systems and communications systems in which Bank participates, such as Fedwire and S.W.I.F.T in connection with the funds transfer. Bank may use whatever funds transfer systems and methods of payments are appropriate in its judgment in executing any payment order accepted by the Bank. I agree that Bank may rely upon the identifying number (e.g. Fedwire number or account number) of any person or entity as instructed in the Remittance Application, be it Intermediary Bank, Beneficiary's Bank or Beneficiary, even if it identifies a person or entity different from that identified by name. Also, Beneficiary's Bank in the payment order may make payment on the basis of the identifying number even though it identifies a person different from the named Beneficiary .I shall be responsible for the consequences of any inconsistency between the name and identifying number of any such person or entity as set forth in the Remittance Application and shall be liable for any loss, liability, expense or damage, including attorney's fees and litigation expenses, Bank may incur as a result of, or in any way connected with, such inconsistency.

The Bank's liability in connection with any payment order shall be limited to remittance amount and fee only. To the extent permitted by law, the Bank shall not be liable for events or circumstances beyond your reasonable control or for indirect, special or consequential damages.

I agree that within sixty days after my funds transfer has been executed, I will notify the Bank of any error, delays or other problems related to my payment order. In the event that it is determined my funds transfer is delayed or erroneously executed by the Bank, the Bank is responsible for paying or refunding such amounts. However, if I fail to notify us within one year from the funds transfer date, my claim may be restricted under applicable law.

- INITIATING TRANSFERS

The Customer may direct Woori America Bank to transfer funds from any of Customer's accounts at Woori America Bank to an account at another financial institution, other than a Banking or to an account at another financial institution located outside the United States, in accordance with the terms and conditions stated in this Agreement. Woori America Bank will accept Funds Transfer Requests during the normal business hours of Woori America Bank, which hours may be changed from time to time by Woori America Bank in its sole direction.

- HONORING TRANSFERS

Woori America Bank will be under no obligation to honor, either in whole or in part, any Funds Transfer Request: (a) which exceeds the Customer's collected available balance in the Customer's account from which the Customer wishes to transfer funds; (b) which is not in accordance with any other written agreements between the Customer and Woori America Bank; (c) which is not in accordance with the current published Depository Agreement of Woori America Bank; (d) which is not in accordance with this Agreement.

- EXECUTION

Woori America Bank will execute any properly authorized Funds Transfer Requests, if accepted, on the date transmitted under the Program, provided such requests are initiated through the Program before 4:00 p.m. Eastern Standard Time, or such other cutoff time as Woori America Bank may hereafter establish ("Cutoff Time"), on a business day for Woori America Bank, the Funds Transfer System and the receiving financial institution. "Funds Transfer System" for the purpose of this Agreement will mean the wire transfer network through which a Funds Transfer Request will be transmitted to the receiving financial institution. Funds Transfer Requests initiated after the Cutoff Time will be executed on the next business day for Woori America Bank, the Funds Transfer System, and the receiving financial institution.

- AUTHORIZATION TO CHARGE ACCOUNT

Upon receipt of any Funds Transfer Requests initiated under the Program, the Customer authorizes Woori America Bank to charge the Customer's accounts in the amount of the Funds Transfer Request.

- TRANSFER TRACING

If the Customer requests, Woori America Bank will endeavor to trace any Internet (Online) Wire Transfer Request executed by Woori America Bank on behalf of the Customer in order to verify that the beneficiary received the transferred funds. Inn order to perform the trace, the Customer will provide Woori America Bank with such information as Woori America Bank may request, including the date and reference number of the Funds Transfer Request.

- ADDITIONAL INFORMATION

The Customer will provide to Woori America Bank any information Woori America Bank may reasonably request in connection with any Funds Transfer Request and the performance of this Agreement. Failure to provide such information within a reasonable time after requested by Woori America Bank will relieve Woori America Bank from any liability or loss which might arise by reason of failure to provide such information.

I HAVE READ AND UNDERSTAND THIS AGREEMENT AND AGREE TO BE BOUND BY ALL OF ITS TERMS AND CONDITIONS.