Defendant

A Imprisonment of 5 years and fines of 50,000,000 won, Defendant B's imprisonment of 2 years and Defendant C of 2 years and 6 months.

(b)a summary credit investigation statement for a corporate loan with a total amount of not more than 300 million won (including, for a self-employed loan, more than 300 million won);

Article 748 (Classification of Credit Investigations) Credit investigations shall be classified as follows at the time of conducting an investigation:

1. Preliminary investigation: A credit investigation generally conducted for new, substitute, re-contract, extension of the time limit, etc.;

2. Occasional investigation: Article 751 (Procedures for Investigation) (1) of the Credit Investigation to be conducted when any cause other than a preliminary investigation occurs, shall investigate the following matters:

1. Confirmation of credit analysis purposes:

2. Analysis of external environments of enterprises;

5. Revision and preliminary analysis of financial statements;

6. Preparation of a credit investigation plan (including a report on the current status of business) under Article 755 (Credit Assessment) (1) shall be classified and operated as follows:

1. Business status report and summary credit investigation report: Not more than 300 million won (in cases of self-employed persons, more than 300 million won);

2. Business status report and credit investigation report: Corporate loans exceeding KRW 300,000,000 * Family loans means an electronic credit investigation report.

1. Individual CSR applicable: Household loans;

2. Persons subject to credit assessment under the table of standards for credit examination of small and medium entrepreneurs and corporations: Enterprise loans of not more than 300 million won in total (including more than 300 million won in the case of self-employed persons);

3. A person subject to credit assessment under the credit rating table on a credit investigation report: A total amount of loans exceeding 300 million won, except as provided for in subparagraphs 1 and 2.

However, in the case of loans below KRW 300 million (including KRW 300 million for self-employed persons), credit and guarantee type loans may be collected.

Article 35 [Kinds of Security and Maintenance Ratio (LTV) of the Regulations on Credit Business] (1) The kinds of security and the fixed ratio of collateral shall be as follows:

1. Real estate;

(a) Residential residence: Within 70/100 (in cases of apartments, it shall be an apartment;