1. The defendant shall pay to the plaintiff KRW 41,661,420 as well as KRW 39,324,10 among them, per annum from April 28, 2017 to the day of complete payment.

1. In full view of the purport of the entire pleadings in the evidence No. 1 to No. 3 as to the cause of the claim, the Defendant is obligated to pay the Plaintiff the money set forth in paragraph (1) of this Article.

2. The defendant's assertion that the defendant cannot accept the plaintiff's claim since he applied for credit recovery to the Credit Counseling and Recovery Committee on June 23, 2017. However, as alleged by the defendant, it is impossible to block the plaintiff's claim on the sole ground that the procedure following the application for credit recovery is in progress, as alleged by the defendant

3. The plaintiff's claim for conclusion is justified and it is so decided as per Disposition.