2. The costs of lawsuit shall be borne by the Plaintiff.

A. On April 14, 2008, the Plaintiff (CB) entered into an insurance contract in the separate sheet No. 1 (hereinafter “No. 1 insurance contract”) with the Defendant, each of the insurance contracts listed in the separate sheet No. 2 through No. 4 of the same list, with order, “No. 2 insurance contract,” “No. 3 insurance contract,” and “No. 4 insurance contract,” and total of the insurance contracts No. 1 through No. 4, “each of the instant insurance contracts”).

D is the father of the Plaintiff, and E is the mother of the Plaintiff.

Article 15(3)3 of the General Terms and Conditions of the Insurance Contract provides for the following reasons for exemption (hereinafter “instant exemption clause”).

Article 15 (Non-Compensation for Loss) The Company shall not pay compensation for any loss incurred while the insured commits any of the following acts for the purposes of occupation, duties or club activities, unless otherwise agreed:

(3) while the crew members of a vessel, fishing division, engineer, or other persons engaged in the business of boarding a vessel are on board the vessel for their duties.

B. The Plaintiff concluded the second insurance contract on March 25, 2009, and the fourth insurance contract on October 25, 201, respectively, with the Defendant. On March 26, 2011, E concluded the third insurance contract with the Defendant.

Article 17(3)3 of the Terms and Conditions of Insurance Contracts and Article 22(2)3 of the Terms and Conditions of Insurance Contracts and Article 27(3) of the Terms and Conditions of Insurance Contracts provide for the exemption clause of this case.

C. Articles 29 and 30 of the Terms and Conditions of the second insurance contract provide for the duty to notify and the effect of violation of the duty to notify after the insurance contract is concluded as follows.

Article 29 (Obligation to Notify After Conclusion of Contract) Any contractor or any insured person shall, when the insured changes his occupation or duty (including a case where the self-employed driver changes his occupation or duty as a driver for business), has directly used any two-wheeled automobile or any motorcycle, or when the insured revises the age of the insured after concluding the contract.