1. The defendant is jointly and severally with the non-party Yu Chang Construction Co., Ltd., Cheongam Construction Co., Ltd. and the plaintiff 709,079,192.

1. The non-party 1 corporationless Construction Co., Ltd. (hereinafter "Unauthorized Construction") entered into a loan guarantee agreement of KRW 800 million on January 27, 1995 to obtain a loan from Han Bank. The defendant, on the same day, has jointly and severally guaranteed all debts owed by Unauthorized Construction to Housing Business Mutual Aid Association in accordance with the above loan guarantee agreement. The Housing Business Mutual Aid Association, July 1, 1995, 195, 89,079,079,192 won, total of KRW 50,000,000,000,000 won, 509,000,000 won, 70,000,000 won, 9,000,000 won, 50,000,000 won, 70,000,000 won, 9,000,000 won, 9,000,000,00 won,00 won,0 won.

2. The defendant's assertion is based on the fact that the plaintiff, which is merely 100 million won capital, acquired approximately KRW 237.5 billion claims including the claim in this case from the Korea Housing Guarantee.