1. The Defendants are jointly and severally liable to the Plaintiff for KRW 339,80,000 and KRW 320,000,000 among them, from December 1, 2019.

The plaintiff is claiming interest or delay damages calculated by applying the rate of 24% per annum from March 1, 2019 to the date of full payment with loans of 320 million won and interest or delay damages from March 1, 2019 to the defendants.

According to Gap evidence No. 1, it is recognized that the plaintiff and the defendants prepared a certificate of borrowed money with the following contents on April 22, 2019.

Creditor: The obligee: The amount borrowed by the Plaintiff, the obligor, and the Defendant: KRW 320,000,000,000 shall be regularly borrowed and promised to implement the following provisions:

The borrowed amount of KRW 320 million shall be borrowed as of June 30, 2018, and the interest rate shall be KRW 2200,000 per month; and the time for payment shall be determined as of the end of each month, to transfer to the Plaintiff’s account as of the end of each month.

b. The loan shall be repaid in two installments, on June 30, 2021, and the remaining 160 million won shall be repaid on June 30, 2021, and on June 30, 2024, the time of repayment shall be June 30, 2024.

(B) (Omission) The interest rate on the above loan was terminated on December 2018. The interest rate was set at KRW 320 million from March 2019 to August 31, 2019. The Defendants’ interest rate was set at KRW 132 million from March 2019 to KRW 300 million from August 31, 2019. However, the Defendants’ interest rate was set at KRW 320 million from September 1, 2019 to KRW 300,000 from KRW 30,000,000 from KRW 30,000,000,000,000. The Defendants’ interest rate was set at KRW 300,000,000 from KRW 20,000,000,000,000 from KRW 306,00,000,000 from KRW 20,000.