1. In relation to the injury inflicted by the Defendant (Counterclaim Plaintiff) on the golf course on February 23, 2009, the Plaintiff (Counterclaim Defendant).

1. Basic facts

A. On January 26, 2007, the Plaintiff and the Defendant entered into an insurance contract with the Plaintiff as shown in the separate sheet (hereinafter “instant insurance contract”) and the part relating to the instant contract among the special terms and conditions of injury, injury, disability, and damage (hereinafter “instant terms and conditions”) under the instant insurance contract are as follows.

1. (Compensation for Damages) If the insured, as stated in the insurance policy, suffers bodily injury (excluding physical assistance equipment, such as acceptance, will, bill, doctor's duty, etc.) during the insurance period, due to a sudden and incidental accident that occurs beyond the insurance period, our company shall compensate for the damage resulting from the injury in accordance with the terms and conditions of this contract;

2. (Insurance Proceeds from Injury) Any company shall be the insured.

1. (Compensation for Damages) If, as a direct result, an injury suffered from an accident as prescribed by the items of the Disability Classification Table has been reduced, and the injury has been reduced, part of the body has been lost within two years from the date of the accident, or the payment rate as prescribed by the subparagraphs of the Disability Classification Table has been reduced to less than 80% because the function thereof has been permanently lost, the amount calculated by multiplying the payment rate as prescribed by the subparagraphs of the Disability Classification Table by the amount of insurance coverage of the injury after the injury specified in the insurance policy shall be paid to the beneficiary;

Although the ratio of the insurance coverage amount of the traffic injury after the completion of treatment is not permanently fixed, notwithstanding the above, the ratio of the insurance coverage amount of the injury after the injury to X, the insurance coverage amount of the injury after the injury to X, and the rate of the payment of the injury after the injury to X, among the activities specified in the ratio of the payment of the damage after the injury to X during the use of the divided aircraft, with regard to the temporary disability which appears after the completion of treatment for at least five years, the above subparagraph is applied by recognizing the rate of the payment of the damage after the injury as the rate of the latter disability.

Notwithstanding the above, the rate of the payment of the disability insurance for the payment of the disability insurance is not determined after 180 days from the date of the accident.