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<DIV><FONT size=3><SPAN 
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<P 
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소천 새해인사 올립니다.</SPAN> </P>
<P 
style="FONT-SIZE: 11pt; MARGIN: 0pt; COLOR: #000000; TEXT-INDENT: 0pt; LINE-HEIGHT: 120%; FONT-FAMILY: 'HY백송B'; TEXT-ALIGN: justify"><SPAN 
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<P 
style="FONT-SIZE: 11pt; MARGIN: 0pt; COLOR: #000000; TEXT-INDENT: 0pt; LINE-HEIGHT: 120%; FONT-FAMILY: '굴림'; TEXT-ALIGN: justify"><SPAN 
style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify">'소세사이' 
가족 여러분!</SPAN> </P>
<P 
style="FONT-SIZE: 11pt; MARGIN: 0pt; COLOR: #000000; TEXT-INDENT: 0pt; LINE-HEIGHT: 120%; FONT-FAMILY: '굴림체'; TEXT-ALIGN: justify"><SPAN 
style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify">지난해는 
정말 고마웠습니다.</SPAN> </P>
<P 
style="FONT-SIZE: 11pt; MARGIN: 0pt; COLOR: #000000; TEXT-INDENT: 0pt; LINE-HEIGHT: 120%; FONT-FAMILY: '굴림체'; TEXT-ALIGN: justify"><SPAN 
style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify"><BR></SPAN></P>
<P 
style="FONT-SIZE: 11pt; MARGIN: 0pt; COLOR: #000000; TEXT-INDENT: 0pt; LINE-HEIGHT: 120%; FONT-FAMILY: '굴림체'; TEXT-ALIGN: justify"><SPAN 
style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify">맑은 
마음과</SPAN> </P>
<P 
style="FONT-SIZE: 11pt; MARGIN: 0pt; COLOR: #000000; TEXT-INDENT: 0pt; LINE-HEIGHT: 120%; FONT-FAMILY: '굴림체'; TEXT-ALIGN: justify"><SPAN 
style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify">밝은 
심성으로 </SPAN></P>
<P 
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style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify">항상 
웃으며 즐겁게 </SPAN></P>
<P 
style="FONT-SIZE: 11pt; MARGIN: 0pt; COLOR: #000000; TEXT-INDENT: 0pt; LINE-HEIGHT: 120%; FONT-FAMILY: '굴림체'; TEXT-ALIGN: justify"><SPAN 
style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify"><BR></SPAN></P>
<P 
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style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify">기왕이면</SPAN> 
</P>
<P 
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style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify">빛과 
소금으로</SPAN> </P>
<P 
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style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify">좋은 
세상 더욱 아름답게 </SPAN></P>
<P 
style="FONT-SIZE: 11pt; MARGIN: 0pt; COLOR: #000000; TEXT-INDENT: 0pt; LINE-HEIGHT: 120%; FONT-FAMILY: '굴림체'; TEXT-ALIGN: justify"><SPAN 
style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify"><BR></SPAN></P>
<P 
style="FONT-SIZE: 11pt; MARGIN: 0pt; COLOR: #000000; TEXT-INDENT: 0pt; LINE-HEIGHT: 120%; FONT-FAMILY: '굴림체'; TEXT-ALIGN: justify"><SPAN 
style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify">일상의 
삶에서 </SPAN></P>
<P 
style="FONT-SIZE: 11pt; MARGIN: 0pt; COLOR: #000000; TEXT-INDENT: 0pt; LINE-HEIGHT: 120%; FONT-FAMILY: '굴림체'; TEXT-ALIGN: justify"><SPAN 
style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify">보고 
듣고 느낀 세상사는 이야기를 </SPAN></P>
<P 
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style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify">진솔하게 
때로는 웃음의 향기로 갈고 닦아 </SPAN></P>
<P 
style="FONT-SIZE: 11pt; MARGIN: 0pt; COLOR: #000000; TEXT-INDENT: 0pt; LINE-HEIGHT: 120%; FONT-FAMILY: '굴림체'; TEXT-ALIGN: justify"><SPAN 
style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify">딴엔 
정성껏 밥상을 차린다고 차렸습니다.</SPAN> </P>
<P 
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<P 
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style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify">다행히 
비록 맛 없고 썰렁한 </SPAN></P>
<P 
style="FONT-SIZE: 11pt; MARGIN: 0pt; COLOR: #000000; TEXT-INDENT: 0pt; LINE-HEIGHT: 120%; FONT-FAMILY: '굴림체'; TEXT-ALIGN: justify"><SPAN 
style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify">‘소세사이’이야기임에도 
허물치 아니하시고 </SPAN></P>
<P 
style="FONT-SIZE: 11pt; MARGIN: 0pt; COLOR: #000000; TEXT-INDENT: 0pt; LINE-HEIGHT: 120%; FONT-FAMILY: '굴림체'; TEXT-ALIGN: justify"><SPAN 
style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify">사랑해 
주신 은혜에 감사드리오며 </SPAN></P>
<P 
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<P 
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<P 
style="FONT-SIZE: 11pt; MARGIN: 0pt; COLOR: #000000; TEXT-INDENT: 0pt; LINE-HEIGHT: 120%; FONT-FAMILY: '굴림체'; TEXT-ALIGN: justify"><SPAN 
style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify"></SPAN></P><SPAN 
style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify">더 
많은 학식을 쌓고 예(禮)로써 삼불후(三不朽) </SPAN>
<P></P>
<P 
style="FONT-SIZE: 11pt; MARGIN: 0pt; COLOR: #000000; TEXT-INDENT: 0pt; LINE-HEIGHT: 120%; FONT-FAMILY: '굴림체'; TEXT-ALIGN: justify"><SPAN 
style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify">즉 
입덕(立德)·입공(立功)·입언(立言)의 교훈을 </SPAN></P>
<P 
style="FONT-SIZE: 11pt; MARGIN: 0pt; COLOR: #000000; TEXT-INDENT: 0pt; LINE-HEIGHT: 120%; FONT-FAMILY: '굴림체'; TEXT-ALIGN: justify"><SPAN 
style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify">세상살이의 
근본가치로 삼아</SPAN> </P>
<P 
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<P 
style="FONT-SIZE: 11pt; MARGIN: 0pt; COLOR: #000000; TEXT-INDENT: 0pt; LINE-HEIGHT: 120%; FONT-FAMILY: '굴림체'; TEXT-ALIGN: justify"><SPAN 
style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify">마음의 
문을 활짝 열고 </SPAN></P>
<P 
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style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify">하늘과 
땅 사이에 넘치게 가득 찬, </SPAN></P>
<P 
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style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify">넓고도 
큰 웃음의 원기(元氣)로</SPAN></P>
<P 
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style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify">힘들고 
고단할 수 록 더 큰 웃음 전(轉)하며</SPAN></P>
<P 
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<P 
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style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify">부자처럼!</SPAN> 
</P>
<P 
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style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify">마음이 
부자라야 부자이듯</SPAN> </P>
<P 
style="FONT-SIZE: 11pt; MARGIN: 0pt; COLOR: #000000; TEXT-INDENT: 0pt; LINE-HEIGHT: 120%; FONT-FAMILY: '굴림체'; TEXT-ALIGN: justify"><SPAN 
style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: justify">부자처럼 
살며 행복한새해 되소서!</SPAN></P>
<P 
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<P 
style="FONT-SIZE: 11pt; MARGIN: 0pt; COLOR: #000000; TEXT-INDENT: 0pt; LINE-HEIGHT: 120%; FONT-FAMILY: '굴림체'; TEXT-ALIGN: left"><SPAN 
style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: left">강물이 
풀리면 봄이 오겠지요.</SPAN> </P>
<P 
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style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: left">얼어붙은 
모든 것들도 봄과 함께풀리기를... </SPAN></P>
<P 
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style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: left">안녕히 
계십시오!</SPAN> </P>
<P 
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<P 
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style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: left">정해년 
새해</SPAN> </P>
<P 
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style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: left">존경하고 
사랑하는 ‘소세사이 가족’여러분께 </SPAN></P>
<P 
style="FONT-SIZE: 11pt; MARGIN: 0pt; COLOR: #000000; TEXT-INDENT: 0pt; LINE-HEIGHT: 120%; FONT-FAMILY: '굴림체'; TEXT-ALIGN: left"><SPAN 
style="FONT-SIZE: 11pt; COLOR: #000000; LINE-HEIGHT: 13.2pt; FONT-FAMILY: '굴림체'; LETTER-SPACING: 0pt; TEXT-ALIGN: left">소천 
김재선 올림</SPAN> </P>
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<P 
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<P 
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<P 
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