1. The defendant's appeal is dismissed.

2. The costs of appeal shall be borne by the Defendant.

Purport of claim and appeal

1..

1. The reasoning of the judgment of the court of first instance, which cited the case, is to be stated in this case, is to the relevant part of the judgment of the court of first instance, except for the following changes.

Therefore, according to the main text of Article 420 of the Civil Procedure Act, the relevant part is cited.

2. Change of the part of the judgment of the court of first instance to this court is to be changed to each of the above 4, 10, and 14, “the same method as the above 14,” without the Plaintiff’s permission. From 7, 2 to 9, 18, 2, and 18, 7, 7, 7, and 14, respectively.

The part of this subsection shall be amended as follows:

1) The Defendant’s assertion as to the assertion of representation 1) The Plaintiff resided with D as well as F apartment 923 and 102, the F apartment 923 and 102, which are located in U.S., and granted D the authority to conclude the joint lease agreement on the above apartment, to use the credit card in the name of the Plaintiff for living expenses, and to issue a student visa. However, D concluded the instant loan contract with the Defendant under the presumption of himself/herself as the Plaintiff, and applied for termination of the instant pension insurance contract with the Defendant. In light of all the circumstances, there was justifiable reason for the Defendant to believe D as the Plaintiff himself/herself. Therefore, in applying mutatis mutandis the provision of the express representation under Article 126 of the Civil Act, it should be deemed that both the instant loan contract and the termination of the instant pension insurance contract are valid. 2) The expression agent under Article 126 of the Civil Act is established in cases where the agent explicitly or explicitly expresses his/her intention on behalf of himself/herself, or performs any act other than his/her authority, with the foregoing representation 2084.