1. The Defendant’s KRW 21,743,956 and its portion

(a) As regards KRW 10,781,90,00 shall be fully repaid from February 2, 2016.

1. The facts stated in the reasons for the claim in the separate sheet of the facts of recognition do not conflict between the parties, or are recognized by considering the whole purport of the pleadings as a whole in each entry in Gap evidence Nos.1

2. Determination

A. According to the facts of the determination as to the cause of the claim, the defendant is obligated to pay to the plaintiff 21,743,956 won (20,691,635 won total amount of claims related to the KB card use price) and 10,781,90 won [6,50,000 won total of the principal of the "paid" out of the claims related to the use price of the KB card (6,333 won total of the overdue principal 5,66,67 won in arrears) and 4,281,90 won per annum 23.7% per annum from February 2, 2016 to the day of full payment (20,157,365 won in total) and damages for delay calculated at the rate of 10,781,900 won in total, 200 won in total, 200% per annum 23.7% per annum from 20,000 won in delay interest rate of the agreed principal to 281,285.36

B. The summary of the Defendant’s argument 1) is that the Defendant lent the Defendant’s credit card to B, who entrusted the Defendant’s asset management, to use the Defendant’s credit card in relation to the above business, and the Defendant agreed to repay all the amount used by B. As such, the Defendant is not responsible for the use of all the above details. In addition, even if the amount exceeds the amount without signature limit, the Defendant is not responsible for the part that approved the use of the card without identification, and thus, the Defendant is not responsible for the part that recognized the use of the card. Therefore, the circumstances of the Defendant’s argument as above are that of the Plaintiff to exercise the Defendant’s claim for the use fee and credit card loan against the Defendant.