1. All claims filed by the Plaintiff (Counterclaim Defendant) are dismissed.

2. The Plaintiff (Counterclaim Defendant) is the Defendant (Counterclaim Plaintiff).

A principal lawsuit and a counterclaim shall be deemed simultaneously.

1. Basic facts

A. Defendant A borrowed respectively the amount of KRW 1 billion from the Industrial Bank of Korea on April 10, 2014, and KRW 680 million on June 18, 2014, under the pretext that Defendant A used it for the facility fund of the business entity “B” registered as the business entity.

(hereinafter referred to as “the instant loan”).

보험업 등을 영위하는 회사인 원고는 2014. 7. 23. 피고 A와 사이에 보험기간을 2014. 7. 23. 16:00부터 2015. 7. 23. 16:00까지로 정하여 김해시 C 지상 철골조 판넬즙 1층 공장동 947.01㎡(이하 ‘이 사건 공장건물’) 등 B의 영업시설인 사무실, 공장 및 그 내부에 설치된 기계설비(이하 ‘이 사건 기계설비’, 위 보험목적물을 통틀어 ‘이 사건 보험목적물’) 등의 화재로 인하여 위 피고가 손해를 입었을 경우 원고가 그 손해를 보상하기로 하는 손해보험계약(구체적인 내용은 별지 1 기재와 같다. 이하 ‘이 사건 보험계약’)을 체결하였다.

Whether the insurance contract of this case was effective or not is examined as follows.

C. Defendant A offered the instant insurance subject matter to the Industrial Bank of Korea as security for the said loan, and on July 23, 2014, Defendant A established a pledge on the instant insurance claim under the instant insurance contract.

(Amount of pledge 1,862,824,100). D.

On November 21, 2014, as indicated in attached Form 2, the instant factory building suffered partial damage from the occurrence of a fire (hereinafter “instant insurance accident”), and on December 17, 2014, the Plaintiff paid KRW 500,000 to the Defendant Industrial Bank, a pledgee, KRW 50,000 under the title of the instant insurance contract.

E. The Defendant Industrial Bank of Korea requested the Plaintiff to pay the remainder of the insurance proceeds on December 30, 2014, but the Plaintiff did not comply therewith.

[Ground of recognition] without any dispute, Gap 1, 3, 14, 17 (including each number; hereinafter the same shall apply).