1. All of the plaintiffs' claims are dismissed.

2. The costs of lawsuit are assessed against the plaintiffs.

1. Summary of the parties' arguments;

A. On July 20, 2010, the gist of the plaintiffs' assertion 1). But on July 20, 2010, "Plaintiff A has not received 280,000,000 won from the defendant annually from the defendant; 22% per annum within 30 days in arrears; 23% per annum within 30,000 days in arrears; 24% per annum for more than 90 days in arrears; and on July 20, 2010, the date the loan was commenced; 20% on July 20, 2015; 200, the loan transaction agreement was signed and delivered by the plaintiff B to the defendant; 30,000 won in its name; 30,000 won in its name; and 30,000 won in its name after the loan to the defendant under the name of the plaintiff B and 30,000 won in its name; and 30,000 won in its name after the loan and delivery of the loan.

3) Therefore, the debt amounting to KRW 280,00,000 for the Defendant of the Plaintiff A on July 20, 2010 does not exceed KRW 100,000,000, and there is no joint and several debt amount for the Defendant of the Plaintiff B.

B. On July 20, 2010, the summary of the Defendant’s assertion: (a) on July 20, 2010, the Defendant loaned KRW 280,000 to Plaintiff A at an interest rate of KRW 9% per annum; (b) 22% per annum within 30 days in arrears; (c) 23% per annum within 30 days in arrears; (d) 90 days in arrears; (e) 24% per annum; (e) July 20, 2010; and (e) July 20, 2015; and (e) the Plaintiff B jointly and severally guaranteed the loan obligation.

2. Determination:

A. In a lawsuit seeking confirmation of existence of a pecuniary obligation, the Plaintiff, the obligor, first.