1. The defendant shall pay to the plaintiff KRW 37,892,733 and KRW 11,434,961 among them from January 27, 2015 to the day of complete payment.

1. Facts of recognition;

A. On April 1, 2010, the Defendant entered into an agreement with the Plaintiff Company on the use of each credit card in the name of an individual and a place of business, and purchased goods and services on credit using a credit card issued under each of the above agreements, and received a credit card loan.

B. In addition, around November 20, 2013, the Defendant entered into a loan transaction agreement with the Plaintiff for the loan amounting to KRW 25 million, and three years (the loan interest rate MO3.86%) during the loan period. When delay in one month during the loan period, the Defendant lost the benefit of time and paid overdue interest according to the overdue interest rate as stipulated in the above agreement from the time on which the loan was delayed, and thereafter, lost the benefit of time on December 2014 by delaying the payment of interest.

C. On January 27, 2015, the details of claims against the Plaintiff on January 27, 2015 are as follows.

The fact that the credit card usage charges (individual) 2,583,55 won 223,267 won, 267,807, 122 annual credit card usage charges (company) 2,66,64 won 2,543 won, 2,903, 29.9% annual average loans 25,830 won, 25,625,830 won, 625, 625, 29.9% annual average loans 2,903,200 won, 625,625, 830 won, 625, 830 per year, 830 won, 15% per year, 15% per year (individual) 2,583,727, 7829, 737, and 733

2. According to the facts of the above recognition, the Defendant is obligated to pay to the Plaintiff damages for delay calculated by the agreement rate of 29.9% per annum with respect to the above card loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan loan

3. Conclusion, the plaintiff's claim of this case is accepted as reasonable.