The defendant is not guilty. The summary of the judgment against the defendant shall be published.

Summary of Facts charged

1. The Defendant is a person who is working as the head of J bank Gwangju Branch from August 2008 to January 201, 201, and is working as the head of J Bank Gwangju Branch.

2. In cases of loans with changing interest rates in full, the lending rate shall be determined according to the standard interest rates (market index rates, such as the CD distribution profit rates, the distribution profit rates of government bonds, and the Libor) and the target progress rates presented by the head office according to the credit worthiness, etc. of the borrower;

Article 3 of the Credit Terms and Conditions of Credit Transactions set at a fixed rate in the form of a %, and Article 3 of the Credit Terms and Conditions of Credit Transactions provides that "When the interest rate is individually changed to a specific debtor, it shall be notified individually, and 8 may be terminated within one month in cases where unexpected disadvantages are incurred to the debtor due to changes in the interest rate." According to Article 20 of the Credit Terms and Conditions of Credit Transactions, "(i) the credit rating may be adjusted at the time of changes in the debtor's credit condition and the conditions of credit transactions such as interest may be changed according to the credit rating by written notice," and Article 17 of the Credit Terms and Conditions of Credit Terms and Conditions of the IBB shall continue to be applied until the agreed date, but even during the agreed period

1.To make a refund, increase, or change the borrower;

2.new, increased, or decreased on the aggregate credit limit;

3. Change in the conditions of the security;

4.Change in credit rating of the borrower:

5. Re-calculated in cases where the borrower has exercised his/her interest rate lower, etc., but in such cases, additional agreements shall be enforced.

According to the terms and conditions, the interest rate on additional charges is fixed during the loan period under an agreement with the borrower, and in principle, the interest rate is not changed during the loan agreement period unless there are any special reasons. When the interest rate is re-calculated during the loan agreement period, the borrower shall be notified of the reasons for and details of the interest rate fluctuations as prescribed in the credit transaction agreement.