1. The defendant shall pay to the plaintiff KRW 18,029,945 and KRW 10,026,365 among them, per annum from December 31, 2016 to the day of full payment.

1. Comprehensively taking account of the purport of the entire arguments in the statements in Gap evidence Nos. 1 through 6, the Smart Savings Bank Co., Ltd. set out and lent KRW 13,00,000 to the defendant on October 6, 2014 at 36 months of loan period, interest rate of loans 23.9% per annum, and interest rate of arrears exceeding three months in arrears, 34.9% per annum, and the above bank transferred the above loan to the defendant on May 30, 2016, to the plaintiff on May 30, 2016, it can be recognized that the fact that the credit assignment was notified to the defendant by content-certified mail, and

2. According to the above facts, the Defendant is obligated to pay to the Plaintiff interest calculated at the rate of 34.9% per annum from December 31, 2016 to the date of full payment for the principal amount of KRW 10,026,365 (the remaining principal amount of the loan as of December 20, 2016, KRW 34.9% per annum, overdue interest, KRW 8,003,580) and interest calculated at the rate of 34.9% per annum from December 31, 2016 to the date of full payment.

3. The plaintiff's claim is reasonable, and it is so decided as per Disposition.