All appeals are dismissed.

The costs of appeal are assessed against the plaintiffs.

The grounds of appeal are examined.

The lower court cited the judgment of the first instance, and, based on its stated reasoning, did not prepare an additional agreement with the Plaintiffs by the former Korea Exchange Bank (hereinafter “former Korea Exchange Bank”) that was merged with the Defendant.

Even if the evidence submitted by the plaintiffs alone is insufficient to recognize that the former Korea Exchange Bank received each interest of this case without any legal ground, and it was also insufficient to recognize that the executives and employees of the former Korea Exchange Bank have received the additional interest rate after raising the additional interest rate at will.

In light of the records, the above determination by the court below is just, and contrary to the allegations in the grounds of appeal, it did not err by exceeding the bounds of the principle of free evaluation of evidence against logical and empirical rules, or by misapprehending the legal principles on credit transaction agreements or the interpretation of terms

Therefore, all appeals are dismissed, and the costs of appeal are assessed against the losing party. It is so decided as per Disposition by the assent of all participating Justices on the bench.