1. The Defendants are jointly and severally liable to the Plaintiff for 516,51,566 won and 506,824,338 won among them.

1. The plaintiff was sentenced to the Seoul Central District Court Decision 2004Kadan338 delivered on June 24, 2005 against the defendants.

The text of the judgment "the defendants jointly and severally pay to the plaintiff 509,713,606 won (the amount of 506,824,338 won plus 2,889,268 won in subrogation) and 506,824,338 won in proportion to 18% per annum from March 31, 200 to May 31, 2005, and 20% per annum from the next day to the full payment date." The judgment was finalized on July 23, 2005.

The plaintiff can claim substitute payment in accordance with the credit guarantee agreement with the defendants. Since the judgment above, 6,797,960 won occurred as substitute payment against the defendants.

Therefore, the Defendants are jointly and severally obligated to pay to the Plaintiff 516,51,566 won (the amount of subrogated payment of KRW 506,824,338 KRW 2,89,268 KRW 6,79,797,960) and the amount of KRW 506,824,338 out of that amount shall be 18% per annum from March 31, 200 to May 31, 2005, and the amount calculated by 20% per annum from the following day to the date of full payment.

2. Article 208 (3) 3 of the Civil Procedure Act: