[Form No. 19](주)세경멀티뱅크

SCHEDULE OF SHORT-TERM BORROWINGS

(Unit : Korean Won)

DESCRIPTION		NAME OF LENDER	TYPE OF LOAN	AMOUNT	INTEREST RATE		REMARKS
		TOTAL
	TOTAL
	TOTAL
	TOTAL
GRAND TOTAL

Matters to be considered when completing the above schedule

This schedule shall be prepared for short-term borrowing other than short-term borrowings from affiliated companies, stockholders, directors and employees.

Type of loan shall be presented as borrowings represented by notes and deeds, etc.

The terms of redemption and redemption date shall be presented in remarks column.