A. E entered into a loan agreement or credit card transaction agreement with a school life-based life-based company, new card company, Hyundai Capital Co., Ltd., Han Card Co., Ltd., Industrial Bank of Korea, Samsung Card Co., Ltd., Samsung Card Co., Ltd., New Bank of Korea Co., Ltd., and Nonghyup Co., Ltd., Ltd., when they fail to perform their obligations during the loan period or the term of credit expires, or when they lose their profits under Article 7 of the Basic Terms and Conditions for Credit Transactions, they agreed to pay the balance of loans or the amount of credit card usage and damages for delay calculated in accordance with the interest rate set forth in each

B. The Plaintiff: (a) from the Industrial Bank of Korea on June 29, 201, 66,666 won for credit card payment to E; (b) from Hyundai Capital Co., Ltd. on November 30, 201, 4,163,296 won for credit card payment to E (i.e., KRW 4,057,00 for provisional payment of KRW 106,296) and damages for delay; (c) 20,086,874 won for loans to E from Nonghyup Co., Ltd. on June 21, 2013 (i.e., KRW 14,82,375 won for late payment of KRW 20,365, Sept. 27, 2006) (i.e., KRW 208, KRW 468,475 won for late payment of KRW 5,975,486, Nov. 25, 2010).