securitization of BTL business 5 DLF : Derivative Linked Fund, Collaborative funds of marketable securities and derivative contracts 6 Eurostoxx : Stock indexes calculated based on the stock prices of major companies in the Eurozone 7 ELF : Equity Linked Fund, Funds where the investment principals and profits are connected with stock indexes and share prices of individual stocks 8 ELD : Equity Linked Deposit, Deposits sold at the bank where the profits are determined in connection with the fluctuation of share indexes 9 Red-Flag : Preemptive risk management service that warns customers if there is a gap between the customers’ asset allocation and a certain percentage indicated in the guideline 63 The Korean credit card market has changed into a customeroriented market that emphasizes the protection of customers’ rights and interests.