1. The Defendant shall pay to the Plaintiff KRW 35,902,838 and KRW 22,916,630 among them, from October 19, 2017 to the day of full payment.

1. The defendant does not clearly dispute the facts stated in the annexed cause of the claim. Thus, the facts stated in the above cause of the claim are all recognized.

2. According to the above facts of determination, the Defendant is obligated to pay to the Plaintiff the agreed damages for delay calculated at the rate of 15% per annum from October 19, 2017 to the date of full payment of KRW 22,916,630, total of the outstanding principal and interest of loans, etc. as of October 18, 2017, and KRW 27.9% per annum from October 19, 2017 to the date of full payment of KRW 11,118,975, total of the card principal and interest of KRW 27.9% per annum from October 19, 2017 to the date of full payment.

As the defendant is expected to receive an application for commencement of individual rehabilitation, it is alleged that the plaintiff cannot comply with the plaintiff's claim, but there is no evidence to prove that the individual rehabilitation procedure against the defendant is in progress as of the date of the closing of argument, so the defendant's above

3. Conclusion, the plaintiff's claim of this case is reasonable and acceptable.