1. The defendant shall pay to the plaintiff KRW 26,323,894 and KRW 14,034,90 among them from March 27, 2015 to the date of complete payment.

1. Facts of recognition;

A. Since 2003, the Defendant had been issued a credit card (NJ EL EL ELS ELS ELS ELS hereinafter “the instant credit card”) of the Plaintiff Company (the former name before the change: the former ELS corporation), and has used the instant credit card until now.

B. Meanwhile, as of March 26, 2015, the instant credit card user fee is KRW 26,323,894, including principal, fees and late payment charges, as of March 26, 2015, and the agreed overdue interest rate currently applicable is KRW 14,034,90,000 per annum for the principal amount settled in installments, KRW 24.5% per annum for the cash service principal, KRW 29% per annum for the cash service principal, KRW 11,400,000 per annum for the cash service principal, and KRW 105,150 per annum for the principal amount paid in lump sum.

(Ground for recognition: Facts without dispute, entries in Gap evidence 1 through 6, the purport of the whole pleadings

2. According to the above facts, the Defendant is obligated to pay to the Plaintiff each of the damages for delay calculated at the rate of 26,323,894 won in total and from March 27, 2015 to the date of complete payment from March 27, 2015, which is the date following the last base date of the payment, to the date of full payment, 24.5% in total, for cash service 11,400,000 won per annum, 29% in total, for cash service 11,40,000 won per annum, and 105,150 won in lump sum payment per annum.

3. If so, the plaintiff's claim is justified.