1. The defendant's appeal is dismissed.

2. The costs of appeal shall be borne by the Defendant.

Purport of claim and appeal

[Claim]

1. The reasoning for this part of the judgment of the court of first instance is the same as that for the judgment of the court of first instance, with the exception of the following parts. Therefore, this part of the judgment is acceptable in accordance with the main sentence of Article 420 of

2. The appellate court's first instance court's judgment Nos. 3 through 4, 13 and 8 are without dispute (applicable to recognition). The first instance court's judgment Nos. 1 through 8 (including the number with a provisional number), the defendant's evidence Nos. 1, 7-1 through 4 (the joint and several guarantee consultation sheet, the guarantee letter of joint and several guarantee, the consent to use and provision of personal credit information, and guidance on the use of personal credit information, etc.) are forged by C which is the defendant's spouse. In addition, the court's determination of whether to acknowledge the authenticity of documents is based on free will based on all evidentiary materials and the entire purport of arguments (see Supreme Court Decision 2001Da29254, Apr. 8, 2003; 2001Da29254, "sureties of the credit guarantee agreement of this case" and on behalf of the inter-party, the defendant's testimony on the use of personal credit information, such as the defendant's personal information and other personal guarantee information, etc.

In addition, the certificate of financial transaction No. 6 submitted by the Plaintiff was used on May 2, 201, before the credit guarantee agreement of this case was concluded, to submit it to the Credit Guarantee Fund directly by the Defendant at the error Dong point of KB National Bank error.