1. The defendant shall pay to the plaintiff KRW 51,43,068 and the amount of KRW 50,453,258 from May 5, 2018 to the date of full payment.

1. Comprehensively taking account of the purport of the entire arguments in Gap evidence Nos. 1 through 16 as to the cause of the claim, the defendant borrowed KRW 96 million from the plaintiff on January 19, 2016 at the rate of 48 months of loans and interest rate of KRW 10.9% per annum, and agreed to pay the remainder of loans and overdue interest calculated at the rate of 25% per annum if the cause of loss of interest under Article 8 of the Standard Credit Transactions Terms and Conditions for Credit Finance Companies is caused. Thereafter, the defendant has lost interest under Article 8 of the Standard Credit Transactions Terms and Conditions for Credit Finance Companies (division principal and interest in arrears, and bad credit standing) due to the occurrence of the cause of loss of interest under Article 8 of the Standard Credit Transactions Terms and Conditions for Credit Finance Companies (division of principal and interest in arrears, and bad credit standing) and the total principal and interest payable by the defendant to the plaintiff on May 4, 2018 can be recognized as the principal and interest of the loan to be repaid by the defendant.

Therefore, the Defendant is obligated to pay to the Plaintiff damages for delay calculated by the rate of 25% per annum from May 5, 2018, with respect to the above KRW 51,43,068 and the balance of principal of the loans KRW 50,453,258.

2. Conclusion, the plaintiff's claim is justified and acceptable.