1. The Defendant shall pay to the Plaintiff KRW 77,025,542 and KRW 66,212,758 among them, 21% per annum from July 26, 2014 to the date of full payment.

On October 18, 2012, the Plaintiff entered into a loan transaction agreement with Defendant 1 and its loans of KRW 85,00,000, interest rate of KRW 16% per annum of October 23, 2017, interest rate of KRW 3 months, interest rate of KRW 21% per annum of 21% per annum. Under the above loan transaction agreement, the Plaintiff borrowed KRW 85,00,00 to Defendant under the above loan transaction agreement. Meanwhile, Article 7 (2) of the Basic Terms and Conditions for Bank Credit Transactions, which the Defendant approved its application, agreed that if the obligor delayed payment of the principal and interest on the installment repayment or installment repayment two consecutive occasions, the Plaintiff would, as a matter of course, lose its interest on the loans of KRW 20,00,00, KRW 200, KRW 4786, KRW 2786, KRW 4786,2786,278,2786,284,286,276,27,27,2867,2,27,267,2,2, etc.

The Defendant is obligated to pay to the Plaintiff the balance of the loan, KRW 66,212,758, interest 10,678,184, incidental expenses of KRW 134,60, totaling KRW 77,025,542, and delay damages thereon.

As the defendant applied for individual rehabilitation, the defendant's assertion is without merit, since he/she did not respond to the claim of this case. However, since the creditor list of individual rehabilitation was not confirmed, the filing of lawsuit is prohibited or inappropriate.

The plaintiff's claim is accepted.