Articles 208(3)3 and 194 of the Civil Procedure Act of the applicable provisions of the Civil Procedure Act applicable to claims for delayed payment based on the agreed delay interest rate (20% per annum) from the base date for calculation (20,123,792 won of the unpaid principal of the loan and the delay thereof after the Plaintiff’s claim for the loan (40,00,000 won of the loan principal) against the Defendant on August 27, 2009.