1. The Defendants are jointly and severally liable to the Plaintiff for KRW 916,571,255 and KRW 902,770,007 among them, from January 28, 2018.

1. On July 4, 2017, the Plaintiff, a credit service provider, who has completed the registration of an indication credit business, agreed to lend the amount of money of KRW 900,00,000 to Defendant A comprehensively at six months from the date of loan implementation, the interest rate of KRW 19,00,000, the overdue interest rate of KRW 27.9%, and Defendant A paid Defendant A a joint and several debt of KRW 11,430,000 on August 11, 207, and KRW 10,80,000 on August 16, 2017, and KRW 15,520,07,000 on September 15, 2017, KRW 198,610,000 on September 10, 18, 198,007, KRW 100,000 on September 10, 2017; and

However, Defendant A did not repay the above loan obligations even after the lapse of January 27, 2018, which was due date for the above loan obligations. As of January 27, 2018, Defendant A had the loan obligations equivalent to the total of KRW 902,770,007, and KRW 13,801,248 as of January 27, 2018, and KRW 916,571,255.

Therefore, the Defendants are jointly and severally liable to pay to the Plaintiff damages for delay calculated by applying the agreed interest rate of 27.9% per annum from January 28, 2018 to the date of full payment.

2. Applicable provisions;

(a) Against Defendant A: Articles 208(3)1 and 257 of the Civil Procedure Act (Judgment without holding any pleadings);

B. As to Defendant B: Article 208(3)3 of the Civil Procedure Act (a judgment by public notice)