Article 5 (Additional Fees, Overdue Charges and Compensation for Delay) (2) When the Defendant has delayed the payment of the intermediate payment and the remainder and the payment date of the contract has elapsed, the late payment penalty calculated by applying the overdue interest rate calculated by adding the overdue interest rate among the deposit banks announced by the Bank of Korea at the time of concluding the contract for the supply of household funds to the overdue days and the overdue interest rate calculated by adding the overdue interest rate for each overdue period determined by the banks

1) Additional interest rate 1) 5% 5.96% 10.96% 31-96% 31-90% 8% 14.95% 96% 90-180% 14.95% 10% 10% 10% 15.96% 1) National Bank of Korea (the highest share in the household loan market at the end of 2008) (the highest share in the household loan market at the end of 2008), Article 6(1) of the additional interest rate for the overdue period by the National Bank of Korea (the highest share in the household loan market at the end of 2008) (2) Any intermediate payment from which a bank has received a loan from an individual bank shall be deposited (payment) with the Plaintiff on the date specified in Article 1, and at the expiration of the

Article 7 (Interest on Loaning Part-Time Loans) The plaintiff is a broker for part-time payments loans as follows, only where the defendant applies for part-time payments loans.

2. The defendant agrees that the loan is paid directly by the lending bank to the Plaintiff’s account for receipt of the Plaintiff’s supply price at the agreed intermediate payment date.

(4) Where the Defendant has received a loan from a designated lending institution as an interest-free loan, the Plaintiff shall pay the interest on the loan by the payment date of the interest in the month in which the date of usage inspection falls, and the interest accrued thereafter.