1.The judgment of the first instance shall be modified as follows:

The defendant shall pay to the plaintiff KRW 12,348,646 and KRW 11,125,254 among them.

1. The reasoning of this part of the judgment of the political party is the same as that of the judgment of the court of first instance, and thus, it is acceptable in accordance with the main sentence of Article 420 of the Civil Procedure Act.

2. The reasoning of the judgment on the loan portion is as follows: “A. The Plaintiff’s loan to the Defendant by the Plaintiff” in the 9th judgment of the first instance court in the 2th judgment; “The excess portion is null and void” in the 11th and 12th judgment in the 11th judgment; and the following parts are identical to the ground of the judgment of the first instance, except for the modification and addition as follows:

[2] The Plaintiff sought payment of KRW 2,323,90,00 for credit card installment charges to be borne by the Plaintiff. Since it is reasonable to pay the Plaintiff the installment charges to be borne by the Plaintiff in light of the method of the loan transaction in this case, the Defendant is obligated to pay the Plaintiff installment charges to the Plaintiff. Next, according to the evidence submitted by the Plaintiff, the amount of the fee to be paid by the Defendant is KRW 1,223,392 [the amount of the fee to be paid by the Defendant: KRW 1,223,392 [the amount of the fee to be paid by the Plaintiff” [the amount of KRW 186,648 (2 million on March 9, 2017) [the amount of KRW 2,308,000 or the amount of the fee to be lent to the Defendant is KRW 2 million,00,000,000,000 for KRW 186,875 [the amount of the fee to be paid by the Plaintiff is below KRW 2,09,200,000,000].

(3) 161,783 won (4 million won on March 28, 100) 178,409 won (4 million won on April 19, 200) 125,190 won (2 million won on May 9, 200) (2.5 million won on May 9, 200), 100,230 won (1 million won on May 9, 2000) (2.5 million won on May 9, 200) 10,230 won (2.5 million won on May 9, 200) 233,4333 won on June 2, 2003.