1. The Defendant shall pay to the Plaintiff KRW 21,940,00 and the interest rate of KRW 20% per annum from November 19, 2014 to the day of full payment.

1. Determination as to the cause of claim

A. The facts of recognition (1) The defendant, the non-party C, and D proposed that the victims would use the borrowed money by obtaining a high interest rate loan from the victims in order to obtain a low interest rate loan, and that they would receive the borrowed money from the victims, or would collect the borrowed money from the bank staff by misrepresenting them, or would make the loan from the bank staff by misrepresenting them, or would have the users take a telephone by using the "year life theory" which they collected by the government policies, and it would be impossible to obtain a high interest rate loan again after a short interest rate loan, and it would be possible to receive a loan from the victims to receive a high interest rate loan in lieu of the loan, and would have the victims receive a high interest rate loan from the victims and then receive a new loan from the victims by means of an authorized certificate after obtaining a new loan from the victims by means of an authorized certificate after obtaining a loan from the victims, and then obtaining a new loan from the victims by means of an authorized certificate, an authorized certificate, password, security card number, Internet banking number, and password, and then obtaining the loan from the victims.

Around July 2, 2013, the Defendant, in collusion with C and D, proposed that C and D would have the Plaintiff obtain a loan from the “year-old Etel 1501” and “year-old Etel 1501 of the Daegu East-gu Office, Daegu-gu Office F, and offered that C and C would have the Plaintiff obtain a loan from the Plaintiff with a low interest rate because it is impossible to obtain a loan from the Plaintiff due to the government policy by walking the phone and making it difficult for the Plaintiff to obtain a loan from the “year-old” due to a high interest rate loan, and instead to repay the loan with a low interest rate, it would be desirable for the Defendant to receive a high interest rate from the Plaintiff as necessary to obtain a high interest rate, and by deceiving the Plaintiff as an authorized certificate, password, security card number, and security card number.