□ On November 30, KHFC (CEO: Chung Hong-Shik) issued KHFC MBS 2004-6 using mortgages sold to date as underlying assets. o The total issuance was KRW 315 billion, with mortgages originating from 15 participating lenders as underlying assets (Kookmin Bank, Kyongnam Bank, Industrial Bank of Korea, National Agricultural Cooperative Federation, Daegu Bank, National Federation of Fisheries Cooperatives, Citibank, Shinhan Bank, Woori Bank, Korea First Bank, Hana Bank, Korea Life, Samsung Life, Samsung Fire & Marine Insurance, LG Insurance). o There are six senior tranches with maturities ranging from three to 20 years, and one junior tranche. In preparation for possible repayment, a call option is attached to tranches with maturities of five years or more. - The call option can be exercised for tranches with maturity of five years from one year after the date of issue - The call option can be exercised for tranches with maturity of seven years or more from three years after the date of issue o The coupon rates for tranches with maturities of three, five, 10, and 20 years are 3.43%, 3.77%, 4.16%, and 4.45%, respectively. □ KHFC will hold a ceremony for the MBS issuance it the Grand Ballroom of the Seoul Hilton Hotel on December 30, 11:20 am with the participating issuers attending.