1. The defendant shall pay to the plaintiff KRW 20,563,764 as well as KRW 20,005,220 among them, a year from July 9, 2015 to the day of full payment.

Comprehensively taking account of each of the statements and arguments set forth in subparagraphs 1 through 4 above, the Defendant used the credit card with the Plaintiff on December 17, 1990, but lost the benefit of time due to the delay in payment from May 26, 2015, and the Defendant’s credit card use payment amount of KRW 338,625, including the principal of Sdrid loan and KRW 10,000,00 as of July 8, 2015, the Defendant’s credit card use payment amount of KRW 338,625,625, 6,697,220 of the principal of Sdrid loan, and late payment charges, etc., KRW 136,973,973, 3,308,00 of the principal of the Ldice Cash Service, and KRW 82,946, including late payment charges, can be recognized as 23.5% per annum.

Therefore, the Defendant is obligated to pay to the Plaintiff the agreed overdue interest calculated at the rate of 23.5% per annum, which is the overdue interest rate from July 9, 2015 to the date of full payment, for the total sum of the principal and interest of credit card bills 20,563,764 won and the total sum of 20,005,220 won among them. Thus, the Defendant is obliged to pay the agreed overdue interest calculated at the rate of 23.5% per annum from July 9, 2015,