A. The Defendant approved that the bank transaction basic terms and conditions and the credit card holders’ terms and conditions apply to the transaction corresponding to the loan subjects as indicated below, and entered into a contract with the creditor financial institutions to pay late payment damages in accordance with the interest rate fixed by the creditor financial institutions.

B. However, the Defendant lost the benefit of time due to the Defendant’s failure to pay the principal and interest of the loan, which had been engaged in a transaction under the above agreement, and there are currently the details of obligations as indicated below.

(1) A. 3. 3. 1. 6. 3, A. 4. 1. 6. 3, A. 4. 1. 6. 3, A. 4. 6. 3, A. 4. 1. 6. 3, A. 4. 1. 6. 3, A. 4. 1. 3, A. 4. 1. 1. 1. 3, A. 4. 1. 5. 3, A. 4. 1. 4. 1. 1. 1. 1. 1. 1. 1. 1. 1. 3, 206, 87 . 7. 7. 7. 1. 3, 124, 815. 3. 1. 1. 6. 3, 205. 3. 1. 1. 1. 3, 2065. 1. 3

C. The above creditor financial institutions transferred all of the claims against the defendant as of the date of the determination of the above assets to the plaintiff, and the plaintiff notified the defendant of the assignment of claims with the authority to notify the transfer delegated by the above financial institutions, and the above notification reached the defendant around that time.