1. The plaintiff's appeal against the defendants is dismissed in entirety.

2. The costs of appeal shall be borne by the Plaintiff.

purport, purport, and.

1. The court's explanation concerning this case is the same as the part of the reasoning of the judgment of the court of first instance, except where the court of first instance renders the following specifications: therefore, it shall accept it as it is in accordance with the main sentence of Article 420 of the Civil Procedure Act.

2. On the other hand, as alleged by the Plaintiff, the Defendants, a specialized financial institution engaging in loan business, as the principal business, with respect to the Plaintiff’s conjunctive claim, have a duty of care to thoroughly verify whether the applicant’s external appearance and face on his/her identification card coincides with each other and to place his/her name and seal on the application for loan, thereby preventing any possibility of using another person’s personal information in criminal acts by preventing any possibility of using another person’s personal information in the application for loan, and thus, have a duty of care not to assist the tort. However, the Defendants breached such duty of care and are liable for damages to the user due to any of the following accidents.

1. Accidents caused by forgery or alteration of a means of access;

2. Even if a financial accident prescribed in the course of the electronic transmission or processing of a contract or transaction request causes damage to each of the loans and the equivalent interest accrued therefrom as seen earlier, where a financial company or an electronic financial business entity entered into an agreement with a user to the effect that all or part of the liability may be borne by the user where the user was intentionally or by gross negligence in the occurrence of an accident (hereinafter “liability agreement”) (hereinafter “liability agreement”), the financial company or electronic financial business entity shall take all or part of the liability.