1. Each of the plaintiffs' claims is dismissed.

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

1. Basic facts

A. The Plaintiffs, with the Defendants, used smartphone banking services while opening a deposit account and conducting financial transactions as follows.

- Plaintiff A: The Savings Deposit Account D and Jeonju District Agricultural Cooperatives in the Nonghyup Bank; - The Plaintiff B: the Savings Deposit Account F- The Savings Account in the Busan Bank - The Plaintiff C: the Savings Deposit Account in the New Bank G and H

B. The Plaintiffs implemented the Defendant’s smartphone banking operations. In fact, the Defendants’ smartphone banking operations similar to the Defendants’ smartphone banking operations were implemented.

Plaintiff

A entered 35 security cards and personal information according to the guidance of the false display case called strengthening security level, and the plaintiff B entered the financial transaction information such as his own account number, password, security card number, security card number, secret transfer number, and secret transfer number according to the guidance of the false display case called strengthening security, and the plaintiff C entered the security card number and secret transfer number according to the guidance of the false display case to renew the security card number.

C. Using the financial transaction information obtained by the aforementioned method, a person who was unaware of his name was issued or reissued an authorized certificate under the Plaintiffs’ names, or reproduced an authorized certificate by an unsound method.

(Plaintiff A has no record of the issuance or re-issuance of an authorized certificate in the case of Plaintiff A, it is presumed to be a reproduction of an authorized certificate, and Plaintiff B and C shall be presumed to be a reproduction of an authorized certificate, but shall not be ruled out).

By using an authorized certificate and financial transaction information acquired as above, the person who was unaware of name transferred the money from the bank account in the plaintiffs' name to the account in the name of a third party as follows:

(hereinafter referred to as “instant accident”). - Plaintiff A: The Nonghyup Bank account on January 16, 2014.