if John invested in DIAMOND INVEST for 5 years but terminates the contract after 2 years, 3% will be deducted from year 1 (8.0% - 3% = 5%) and
year 2 (8.5% - 3% = 5.5%) interest returns. Given that maximum contract period is 5 years and minimum interest rate of the product (SILVER RETURN) in
Year 1 is 7.5%, there will never be a loss of investment principal amount and minimum return would be 3.5% in the above case when terminated after 13 months
(cannot terminate contract before 13 months according to Korean foreign exchange regulations).