1.The judgment of the first instance, including a claim that has been changed from the trial to the primary and conjunctive claims, shall be changed as follows:

1. Basic facts

A. Defendant B served as the Plaintiff’s former duties from July 2, 2002 to January 31, 2012, and thereafter served as the Plaintiff’s president from February 15, 2015 while serving as the Plaintiff’s director.

From January 2, 2008 to August 22, 2011, Defendant C served as the head of the credit and team at the Plaintiff’s head office.

B. At the time of working as the credit team leader as above, Defendant C requested the appraisal of secured real estate while taking charge of the loan business, and took charge of the loan deliberation as one of the examiners of the Credit Council.

Defendant B, as a former secretary, reviewed the documents on the loans approved by the Credit Council, and approved it.

C. From May 12, 2010 to August 3, 2010, the Plaintiff implemented each of the following loans with a fixed period of two years, and from around 2011, when the loans were overdue as follows, the Plaintiff disposed of the bad debt of KRW 1,127,782,798 as follows from September 10, 201 to November 22, 2013.

As at the time of closing argument in the instant appellate trial, the Plaintiff’s failure to repay out of the above loans amounting to KRW 1,077,342,484 (i.e., bad debt amount of KRW 1,127,652,618 - Bad debt amount of KRW 50,310,134).

. Bad debts of 10.20.8 20.8 20.10,000,000 on August 24, 2011: 20.27,149,00,00 on August 25, 2008; 10.6.4. 20.6. 10,00 on July 27, 201, 200; 20.4. 6. 16. 16. 20,00 on July 25, 200, 205; 3. 10,000 on July 25, 2015; 20. 3. 16. 3. 16. 20,00 on July 3, 2009; 200,000; 5. 8. 10,000 on March 10, 2010