Transaction fee waiver benefits of this account plan

Required conditions(At least 3 of these)	Fee waivers
1. 500,000 KRW or more of payroll deposit into this account 2. Mobile phone bill payment through direct debit 3. Use of your Sh Credit/Check card 4. 500,000 KRW or more of the average balance of this account 5. At least one overseas money transfer from this account(500,000 KRW or more)	1. Online, mobile interbank transfers 2. Cash withdrawals at Sh Bank ATMs 3. Cash withdrawals at non-Sh Bank ATMs (10 times a month, Whitelabel ATMs and co-branded ATMs are not applicable)
Always	50% discount on foreign exchange spread rate. Eligible currencies: USD, JPY, EUR. (Cash exchange at Sh Bank or cooperative branch only. 30% for CNY)