[Form No. 14](주)세경멀티뱅크

SCHEDULE OF RECEIVABLES FROM AND PAYABLES TO STOCKHOLDERS, DIRECTORS AND EMPLOYEES

1. DETAILS OF RECEIVABLES FROM STOCKHOLDERS, DIRECTORS AND EMPLOYEES

DESCRITPION		PERSONAL NAME	OPENING BALANCE	INCREASE IN CURRENT PERIOD	DECREASE IN CURRENT PERIOD	ENDING BALANCE	REMARKS
SHORT-TERM RECEIVABLES	STOCKHOLDERS
	DIRECTORS
	EMPLOYEES
	TOTAL
LONG-TERM RECEIVABLES	STOCKHOLDERS
	DIRECTORS
	EMPLOYEES
	TOTAL
GRAND TOTAL

(Unit : Korean Won)

2. DETAILS OF PAYABLES TO STOCKHOLDERS, DIRECTORS AND EMPLOYEES

DESCRITPION		PERSONAL NAME	OPENING BALANCE	INCREASE IN CURRENT PERIOD	DECREASE IN CURRENT PERIOD	ENDING BALANCE	REMARKS
SHORT-TERM RECEIVABLES	STOCKHOLDERS
	DIRECTORS
	EMPLOYEES
	TOTAL
LONG-TERM RECEIVABLES	STOCKHOLDERS
	DIRECTORS
	EMPLOYEES
	TOTAL
GRAND TOTAL

(Unit : Korean Won)

Matters to be considered when completing the above schedule

Details of receivable from stockholders, directors and employees

The conditions of loan (like as installment period and pledged assets for collateral) should be presented in remarks column and interest rate should be also presented in remarks column.

When there is a change in receivable because of special reason like bad debt or transfer from accounts receivable, the description of change and the reason for the change shall be presented in remarks column.

Details of payable to stockholders, directors and employees

Current portion of long-term payable shall be included in ending balance not decrease column and the amount shall be presented in parentheses at ending balance column. The description of parentheses shall be explained in footnote.

The purpose of borrowings and credit terms (like installment payment period and pledged assets for collateral) shall be presented in remarks column.

The significant borrowing which bears no interest rate or special interest rate shall be presented in remarks column about the terms.

When a change in payable is due to special reason like as liabilities forgiven or transfer from accounts payable, the description of change and the reason for the change shall be presented in remarks column.