Description CLC Data Description Description Description ItemDivision Provide List Definition 1 Number of Loans Number of Borrowers Total Loan Balance Average Loan Balance Weighted Average Seasoning Average duration of periods after loan origination, weighted by current month’s loan balance Weighted Average Maturity Average maturity time of the underlying pool's asset, weighted by current month’s loan balance Weighted Average Residual Maturity Average remaining time of the underlying pool's asset, weighted by current month’s loan balance Weighted Average Interest rates Average interest rate of the underlying pool's asset, weighted by current month’s loan balance Original LTV Loan-to-Value, which property value based on the issuance date of the respective mortgage loans is weighted by current month’s loan balance Indexed LTV Loan-to-Value, which property value based on the current market price is weighted by current month’s loan balance 2 Originator Distribution Loan balance distribution by originators 3 Geographic Distribution Loan balance distribution by geographic areas 4 Housing type Loan balance distribution by property types 5 LTV distribution (Original LTV) LTV ≤10% NUM, AMT LTV ≤20% NUM, AMT LTV ≤30% NUM, AMT LTV ≤40% NUM, AMT LTV ≤50% NUM, AMT LTV ≤60% NUM, AMT LTV ≤70% NUM, AMT LTV ≤80% NUM, AMT LTV ≤90% NUM, AMT LTV >90% NUM, AMT Distribution of LTV (original LTV) at the handling point of loan balance by the issuance month / inquired month * LTV = Loan amount + Priority bond + Security deposit and Priority small lease deposit / Appraised amount of the mortgaged house X 100 6 LTV distribution (Indexed LTV) LTV ≤10% NUM, AMT LTV ≤20% NUM, AMT LTV ≤30% NUM, AMT LTV ≤40% NUM, AMT LTV ≤50% NUM, AMT LTV ≤60% NUM, AMT LTV ≤70% NUM, AMT LTV ≤80% NUM, AMT LTV ≤90% NUM, AMT LTV >90% NUM, AMT Distribution of LTV (indexed LTV) re-estimated at the point of query (current price) of loan balance by the issuance month / inquired month * Indexed LTV - We download the LTV, which is calculated by reassessing mortgaged house where the change of quarterly housing price index is reflected, and reassess the LTV by applying the housing price index by applying region and by housing type to the existing collateral valuation. * Region: do, si, gun, gu * Housing type (3 types) : apartment (=complex dwelling), townhouse (=multiple house), detached house - Renewal point: at the end of every quarter (at the end of March, June, September and December) - Preparation of renewed data: in the middle of next month of the end of each quarter (mid April, mid July, mid October, mid July) - Data to which the renewed data apply : Batches for CLC/CLP are executed around 20th day of the next month of the end of each quarter. * March data to be applied to indexed LTV of March, April and May * June data to be applied to indexed LTV of June, July and August * September data to be applied to indexed LTV of September, October and November * December data to be applied to indexed LTV of December, January and February - When real estate price rises : Since the price rise is reflected later, the index LTV is overestimated. - When real estate price falls : Since the price fall is reflected later, the index LTV is underestimated. 7 Amount of principal repayment of the month Total amount of principal repayment of the month less the advanced repayment Principal repayment rate of the month Amount of principal repayment of the month / Loan balance at the end of the previous month Amount of advanced repayment of the month Advanced repayment rate of the month Amount of the advanced payment of the month / Loan balance at the end of the previous month Loan balance at the end of the month Balance rate at the end of the month The balance of loan at the end of the month / Loan balance at the point of take over 8 SMM of the last 1 month SMM= Amount of the advanced payment of the month / Loan balance at the end of the previous month SMM : Single Monthly Mortality (Simple monthly prepayment rate) CPR of the last 1 month 1-(1-SMM of the month)^12 Advanced repayment rate annualized from SMM of the month CPR of the last 3 months Advanced repayment rate annualized from arithmetic mean SMM of the last 3 months 1-(1- arithmetic mean SMM of the last 3 months)^12 CPR of the last 6 months Advanced repayment rate annualized from arithmetic mean SMM of the last 6 months 1-(1- arithmetic mean SMM of the last 6 months)^12 CPR of the last 12 months Advanced repayment rate annualized from arithmetic mean SMM of the last 12 months 1-(1- arithmetic mean SMM of the last 12 months)^12 Life CPR Advanced repayment rate annualized from arithmetic mean SMM between loan handling and the current month 1-(1-accumulated arithmetic mean SMM)^12 CPR : Constant Prepayment Rate (Annualized advanced repayment rate) 9 No. of loans and amount overdue by not more than 30 days No. of loans and amount overdue not more than 60 days No. of loans and amount overdue by 30 days or longer and not more than 60 days No. of loans and amount overdue by not more than 90 days No. of loans and amount overdue by 60 days or longer and not more than 90 days No. of loans and amount overdue by more than 90 days