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    background=http://www.kookminbank.com/personal/email/img/newyear40_td_bg.gif>»õÇØ º¹ ¸¹ÀÌ ¹ÞÀ¸¼¼¿ä!</TD>      
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            face=±¼¸² size=2><BR>¾È³çÇϽʴϱî.</FONT> 
            <P><FONT face=±¼¸² size=2>»õÇØ º¹ ¸¹ÀÌ ¹ÞÀ¸½Ã°í<BR>ÇϽô ÀÏ ¸¶´Ù ¼Ò¿ø¼ºÃë ÇϽðí<BR>»ç¾÷¹øâ       
            ÇÏ½Ã°í ´ì³» ÆòÈ­°¡ ±êµé±â¸¦<BR>¸ÞÀÏ ¼ö½ÅÇϽô ºÐµé¿¡°Ô Áø½ÉÀ¸·Î       
            ±â¿øÇÕ´Ï´Ù.</FONT><BR><BR><BR><BR></P></TD></TR></TBODY></TABLE></CENTER></DIV></TD>
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      height=25><FONT face=±¼¸² size=2>(c)2002 (ÁÖ) HSABS. All rights       
      reserved.</FONT></TD></TR></TBODY></TABLE></CENTER><BR><BR>
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      <P align=center><FONT size=4><B><FONT color=#000099><BR>¿ÀÅä¹ÙÀ̸¦ ÀÌÁ¦       
      </FONT><font color="#CC0000">°úºÎ Æ²</font><FONT color=#000099>À̶ó ºÎ¸£Áö ¸¶½Ê½Ã¿À  
      </FONT></B></FONT><FONT size=3><BR><BR></FONT><B><FONT size=2>ÀúÈñ <font color="#000066"> HSABS</font>¸¦       
      ÀåÂøÇÑ ¿ÀÅä¹ÙÀ̴ <font color="#FF0000"> 70% ÀÌ»ó »ç°í¸¦ ÇÇÇÒ ¼ö</font> ÀÖ½À´Ï´Ù.</FONT></B><FONT size=3><BR><BR>[<FONT       
      color=#336600>°³¹ß ¹Û¿¡ ¸ð¸£´Â</FONT><FONT color=#333300> </FONT>¾î´À Áß¼Ò±â¾÷ÀÎÀÇ       
      Çϼҿ¬]<BR><BR><BR></FONT><FONT face=±¼¸²><SPAN 
      style="COLOR: #045100; mso-bidi-font-size: 10.0pt"><FONT color=#000000 
      size=2><FONT color=#000000>Çã¶ôµµ ¾øÀÌ ¸ÞÀÏÀ» µå·Á Á˼ÛÇÕ´Ï´Ù</FONT><SPAN><FONT       
      color=#000000>. ±ÍÇÏÀÇ</FONT> </SPAN></FONT></SPAN><FONT color=#000000       
      size=2><SPAN 
      style="COLOR: #1b1793; mso-bidi-font-size: 9pt">E-mail</SPAN><SPAN 
      style="COLOR: #40f4ec; mso-bidi-font-size: 10.0pt"> </SPAN></FONT><SPAN 
      style="COLOR: #045100; mso-bidi-font-size: 10.0pt"><FONT color=#000000 
      size=2>ÁּҴ °Ô½ÃÆÇ µî ÀÎÅͳÝÀ» ÅëÇØ ¾Ë°Ô µÇ¾ú½À´Ï´Ù</FONT><SPAN><FONT color=#000000       
      size=2>.<BR>¸¸¾à ºÒÇÊ¿ä ÇÑ Á¤º¸¶ó°í ¿©°ÜÁö½Å´Ù¸é </FONT></SPAN></SPAN><SPAN       
      style="COLOR: #d54000; mso-bidi-font-size: 10pt"><A 
      href="mailto:spring@hsabs.com"><FONT color=#0000ff 
      size=2>¿©±â</FONT></A></SPAN><SPAN 
      style="COLOR: #045100; mso-bidi-font-size: 10.0pt"><FONT color=#000000 
      size=2>¸¦ ´­·¯<SPAN>  '¼ö½Å°ÅºÎ' ¸¦ ÇØ ÁÖ¼¼¿ä. </SPAN></FONT></SPAN></FONT></P>      
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            style="FONT-SIZE: 9pt; FONT-FAMILY: ±¼¸²"><BR>Àú´Â ¿ÀÅä¹ÙÀÌ¿ë ABS ºê·¹ÀÌÅ©¸¦ ¼¼°èÃÖÃʷΠ      
            °³¹ß, ¼¼°èÀûÀ¸·Î µ¶Á¡ »ý»êÇϴ <BR>¢ßHSÀÇ Áöµ¿ÀÍ »çÀåÀÔ´Ï´Ù. 7³â µ¿¾È ÀÌ ÀÏ¿¡¸¸ ¸ôµÎÇÑ       
            °á°ú·Î<BR><BR></SPAN></TD></TR></TBODY></TABLE></DIV>
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          <TD width="100%"><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: ±¼¸²"><FONT 
            color=#0000ff>1</FONT>. ±â°è½Ä ABS ÀÌÁö¸¸ BMW ¿ÀÅä¹ÙÀÌÀÇ ÀüÀڽĠABS º¸´Ù ¿ùµîÇÑ ¼º´ÉÀ»       
            °®ÃèÀ¸¸ç <BR><FONT color=#0000ff>2</FONT>. 1/20 ´Ü°¡·Î ¼öÃâ ¹× ³»¼ö¸¦ ÇÏ·Á       
            Çϸç <BR><FONT color=#0000ff>3</FONT>. ÀåÂø¼ºµµ ¾ÆÁÖ ¿ëÀÌÇÕ´Ï´Ù. <BR><FONT       
            color=#0000ff>4</FONT>. ±¹Á¦ Æ¯Ç㸦 È¹µæÇÏ°í ÀÖÀ¸¸ç <BR><FONT       
            color=#0000ff>5</FONT>. ºÎÇ°ÀÇ 100% ±¹»êÈ­·Î ºÎÇ° Á¶´ÞÀÇ ¾î·Á¿òÀÌ ¾øÀ½Àº ¹°·Ð<BR><FONT       
            color=#0000ff>6</FONT>. ¿ÜÈ­¸¦ Å©°Ô ¹ú¾îµéÀÏ ¼ö ÀÖ´Ù°í       
        »ý°¢ÇÕ´Ï´Ù.<BR><BR></SPAN></TD></TR></TBODY></TABLE></DIV>
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          <TD width="100%"><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: ±¼¸²">º»ÀÎÀÇ       
            ¸»ÀÌ °úÀåÀ¸·Î µé¸±Áö ¸ð¸£°ÚÀ¸³ª ÇâÈÄ ¸î ³â ³»¿¡ ¿ÀÅä¹ÙÀÌ ¿îÀüÀÚÀÇ Çï¸ä Àǹ« Âø¿ë°ú °°ÀÌ        
            </SPAN><SPAN style="FONT-FAMILY: ±¼¸²"><U><B><FONT color=#006600 
            size=2>ÀúÈñ HSABSÀÇ Àǹ« ÀåÂø ¹ýÀÌ Á¦Á¤µÇ¸®¶ó È®½ÅÇÕ´Ï´Ù</FONT></B></U><SPAN       
            style="FONT-SIZE: 9pt; FONT-FAMILY: ±¼¸²">. <FONT color=#333300><SPAN       
            style="FONT-SIZE: 9pt; FONT-FAMILY: ±¼¸²">¿¹»ó Ä¡ÀÌÁö¸¸ »ç°íÀ²ÀÇ 70%<BR>Àý°¨°ú »ç¸ÁÀ²ÀÇ 
            80% ÀÌ»óÀ» Àý°¨½ÃÅ°¸®¶ó È®½ÅÇÕ´Ï´Ù.</SPAN></FONT><BR><BR>Á¦°¡ ÀÌ ¸ÞÀÏÀ» Çã¶ôµµ ¾øÀÌ º¸³»µå¸°       
            ÀÌÀ¯´Â <BR>ÀúÈñÀÇ ºÎÁ·ÇÑ ºÎºÐÀ» ¿©·¯ºÐ²² È£¼ÒÇÏ¿© µ¿ÂüÀ» Ã˱¸ÄÚÀÚ ÇÔÀÔ´Ï´Ù. </SPAN></SPAN>      
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            style="FONT-SIZE: 10pt; FONT-FAMILY: ±¼¸²"><BR>(<B>Ãʺù)À¯¸Á Áß¼Ò ±â¾÷-Àü¹® °æ¿µÀΠ      
            ¹× ¸¶ÄÉÆàÀü¹® ÀηÂ</B><BR><BR><U>ÇöÀç±îÁöÀÇ ÁøÇà       
        »óȲ</U><BR><BR></SPAN></P></TD></TR></TBODY></TABLE></DIV>
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          <TD width="100%"><SPAN 
            style="FONT-SIZE: 9pt; FONT-FAMILY: ±¼¸²"> <FONT 
            color=#0000ff>1</FONT>. ¿ÀÅä¹ÙÀÌ¿ë ±â°è½Ä ABS ÀÇ ¼¼°è ÃÖÃÊ °³¹ß <BR> <FONT       
            color=#0000ff>2</FONT>. ±¹³» Æ¯Çã :±â È¹µæ 1 °Ç°ú Ãâ¿øÁßÀΠ1 °Ç <BR> <FONT       
            color=#0000ff>3</FONT>. ±¹Á¦ Æ¯Çã :±â È¹µæ-À¯·´ Æ¯Çã:Ãâ¿ø Áß-¹Ì±¹, ÀϺ», Áß±¹,ºê¶óÁú,´ë¸¸       
            PCT.*°ð È¹µæ ¿¹Á¤* <BR> <FONT color=#0000ff>4</FONT>. ¿ì¼ö º¥ÃÄ ±â¾÷ ÁöÁ¤       
            <BR> <FONT color=#0000ff>5</FONT>. ISO 9001 ÀÎÁõ È¹µæ       
            <BR> <FONT color=#0000ff>6</FONT>. 2000³â ¹ÀÇî ¸ðÅÍ»çÀÌŬ       
            Àü½Ãȸ(INTERMOT:2000.9.5~12) ÃâÇ° <BR> <FONT color=#0000ff>7</FONT>.       
            2001³â µ¿°æ Àü½Ãȸ ÃâÇ°<BR> <FONT color=#0000ff>8</FONT>. ÇöÀç ±¤ÁÖ °úÇР      
            ±â¼ú¿ø(KJIST) ¿Í »êÇРÇùµ¿ Áß<BR> <FONT color=#0000ff>9</FONT>. ÇöÀç TUV       
            ½É»ç Áغñ Áß<BR><FONT color=#0000ff>10</FONT>. ¼ÒÇü Àú°¡ Á¦Ç° ¼³°è ¿Ï·á.(»ý»ê ´Ü°¡       
            50%¹Ì¸¸)<BR><FONT color=#0000ff>11</FONT>. µîµî¡¦</SPAN>       
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          <TD width="100%"><FONT face=±¼¸² size=2><B>ÇöÀç Æó»ç¿¡ ÇÊ¿äÇÑ       
            ºÎºÐÀÔ´Ï´Ù.<BR><BR></B></FONT></TD></TR></TBODY></TABLE></DIV>
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          <TD width="100%"><SPAN 
            style="FONT-SIZE: 9pt; FONT-FAMILY: ±¼¸²"> <FONT 
            color=#0000ff>1</FONT>. Àü¹® °æ¿µÀÎ(¿ÀÅä¹ÙÀÌ ¸Å´Ï¾î ¶Ç´Â ¿ÀÅä¹ÙÀÌ °ü°è °æÇèÀÚ       
            ¿øÇÔ)<BR> <FONT color=#0000ff>2</FONT>. ¸¶ÄÉÆà¹× È«º¸ Àü¹®°¡(ÇØ¿Ü ¹×       
            ±¹³»)<BR> <FONT color=#0000ff>3</FONT>. ¾à°£ÀÇ ÀÚ±Ý(ÁõÀÚ ¿øÇÔ) </SPAN>      
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          <TD width="100%"><BR><BR><B><FONT face=±¼¸² size=2>¼º´ÉÅ×½ºÆ® È­¸é (ºê¶óÁú »óÆÄ¿ï·Î       
            ±¹Á¦ °æ±âÀå)<BR></FONT></B></TD></TR></TBODY></TABLE></DIV>      
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          <TD align=middle width="100%"><B><FONT face=±¼¸² size=2><IMG 
            height=385 src="http://www.hsabs.com/image/1114'.gif" width=414 
            border=0><BR> Center :       
            HS-ABS     <BR> Right, left :       
            Non-ABS</FONT></B> 
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            style="FONT-SIZE: 9pt; FONT-FAMILY: ±¼¸²"><BR>¡ØÀ§ÀÇ ÇöÀç »óȲ°ú ÇÊ¿äÇÑ ºÎºÐÀ» »ìÆ캸½Ã°í       
            ±ÍÇÏÀÇ ´É·Â°ú ÀÚ±ÝÀÌ<BR>    ¹Ì·¡¿¡ ¾ó¸¶¸¸Å­ÀÇ ÅõÀÚÈ¿°ú¸¦ º¼ °ÍÀΰ¡ ÆÇ´ÜÇØ Áֽñ⠠     
            ¹Ù¶ø´Ï´Ù.<BR><BR></SPAN></P></TD></TR></TBODY></TABLE></DIV>
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            <P align="center"><font size="3"><b><FONT face=±¼¸²>´ç»ç È¨ÆäÀÌÁö: <A       
            href="http://www.hsabs.com/" 
            target=hs>http://www.hsabs.com</A></FONT></b></font></P>
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            <P align="left"><b><font face="±¼¸²" size="2">              
            µ¿¿µ»ó: <a href="http://www.hsabs.com/hsabs.mpg">http://www.hsabs.com/hsabs.mpg</a></font></b></P> 
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            <P align="left"><font size="2"><b>             
            È¸»ç ÀÚ·á: <a href="http://www.hsabs.com/hs.ppt">http://www.hsabs.com/hs.ppt</a></b></font></P> 
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            *À§ÀÇ µ¿¿µ»ó ¹× È¸»ç ÀÚ·á´Â ¸¶¿ì½º ¿À¸¥ÂÊ ¹öÆ°À»  
            ´­·¯                       
            <u><font color="#000066">"´Ù¸¥ À̸§À¸·Î ´ë»ó  
            ÀúÀå"</font></u>À» ÇÏ¿© ÀúÀåÇÑ ÆÄÀÏÀ» º¸¸é Å©°Ô º¸½Ç ¼ö ÀÖ½À´Ï´Ù.  
            <p>¡¡</p>
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            <p align="center"><b><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: ±¼¸²"><font size="3" color="#663300">¿ÀÅä¹ÙÀÌÅ©¿¡      
            °ü½ÉÀÌ ÀÖÀ¸½Å ºÐ°ú »ç¾÷¿¡     µ¿Âü ¶Ç´Â ÅõÀÚ ÇϽǠ   
            <a href="mailto:ºÐÀºhsabs@hsabs.com"> ºÐÀº  <u>hsabs@hsabs.com</u></a> 
            À¸·Î ¸ÞÀÏ ¹Ù¶ø´Ï´Ù.</font></SPAN></b>    
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            style="FONT-SIZE: 9pt; FONT-FAMILY: ±¼¸²">¸ÞÀÏÀ» ³¡±îÁö Àоî Áּż­ ´ë´ÜÈ÷      
            °¨»çÇÕ´Ï´Ù.<BR>¹«±ÃÇÑ ¹ßÀü ÀÖÀ¸½Ã°í, ´Ã ÇູÇϽðí ÁÁÀº ³¯µé      
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