(However, the loan contract for consumption as of May 16, 2014 and June 3, 2014 did not have any evidence to prove that there has been a interest agreement, and the provision on statutory interest rate under the main sentence of Article 3(1) of the Act on Special Cases Concerning the Encouragement, etc. of Legal Proceedings was amended and enforced from October 1, 2015, the interest rate under the above Act was changed from 20% to 15% per annum, and thus, the part in excess of the claim against the defendant of the plaintiff in this case is dismissed).