1. All appeals by the Defendants are dismissed.

2. The costs of appeal are assessed against the Defendants.

3. The judgment of the court of first instance is ordered.

A. The debtor is jointly and severally liable with the debtor for all obligations within the scope set forth in Article 1 against the plaintiff (hereinafter "the Savings Bank"), and with respect to the performance of the guaranteed obligation, the basic terms and conditions for credit transactions by the mutual savings bank and the terms and conditions for the transaction agreement on the guaranteed obligation that the debtor separately submitted to the Savings Bank, and confirm the respective provisions of this guarantee.

Article 1 (Contents of Guaranteed Obligations) (1) The surety shall bear the following guaranteed obligations:

1. The debtor: A;

2. A savings bank within the scope of the guaranteed obligation explains that one of the following four types, which differs from the scope of the guaranteed obligation, may choose a guarantor, and the guarantor will guarantee the obligation set out in the comprehensive collateral guarantee (including interest, damages for delay and other incidental obligation):

* * Comprehensive collateral Guarantee - Obligations which the debtor currently and in the future assume against the Savings Bank (main points):

(a) A bill loan, deed loan, discount on bills, payment guarantee, sales bond transaction, credit installment transaction, and all other obligations arising from credit transactions;

(b) a surety obligation on the transaction between the Savings Bank and a third party in the foregoing “A.”

(c) The savings is a debt on bills or checks acquired by the transaction as “the transaction” with a third party.

3. Ceiling amount of the collateral guarantee: One hundred million won per annum.

4. A savings bank for the settlement of accounts for the settlement of accounts for the settlement of accounts for the settlement of accounts for the settlement of accounts for the settlement of accounts for the settlement of accounts for the settlement of accounts for the settlement of accounts for the settlement of accounts for any one of the following three types:

* future designation type - not specified.

In such cases, after the lapse of three years from the date of the guarantee agreement, the guarantor may designate the settlement term for the guarantee of the service through written notice, and the settlement term shall be 14 days from the date of arrival of notice.