1. The plaintiffs' claims against the defendants are all dismissed.

2. The costs of lawsuit are assessed against the plaintiffs.

1. Basic facts

A. The Plaintiffs used Internet banking or smartphone banking services, etc. while opening a deposit account and conducting financial transactions as shown in the attached Table 2, between Defendant National Bank of Korea, New Bank of Korea, Korea Bank, Nonghyup Bank, Han Bank, Korea Bank, Industrial Bank of Korea, Postal Savings and Insurance Act (hereinafter referred to as “stock company”), Defendant’s postal offices under the Postal Savings and Insurance Act (hereinafter referred to as “Defendant Postal Service Office”), and the Agricultural Cooperatives Act, a local agricultural cooperative under the Agricultural Cooperatives Act.

B. The rest of the plaintiffs, other than the plaintiffs M and N, access to the defendants' Internet banking site or implemented a smartphone banking scam. In fact, the defendants' Internet banking site was connected to a false site similar to the defendants' Internet banking site, or a false scam application similar to the defendants' smartphone banking scam, and the above plaintiffs entered the financial transaction information, such as their account number, account password, transfer password, authorized certificate password, and security card number, in accordance with the defendants' false site or false scam guidance.

In addition, the plaintiff M and N received a mobile phone text message that misrepresented the defendant citizen bank to the Internet site as stated in the text message. In fact, the plaintiff M and N had access to the Internet banking site similar to the defendant citizen bank's Internet banking site. The above plaintiffs entered the financial transaction information, such as their account number, account password, transfer password, authorized certificate password, and security card number, according to the false information on the website.

C. A person who has failed to obtain a name shall be excluded from Plaintiff R and AC, using the financial transaction information obtained in the above manner.