1. The Defendant shall pay to the Plaintiff KRW 57,73,180 as well as KRW 22,832,713 among them, from November 12, 2013 to the day of full payment.

1. Basic facts

A. On April 24, 2003, the Korea Cmat Bank Co., Ltd. (hereinafter “Cmat Bank”) lent KRW 10 million to the Defendant at the maturity of April 24, 2004 and at the rate of 25% per annum.

B. On August 16, 1999, the Defendant entered the Defendant’s name, resident registration number, and address and signed it on the application form for membership membership of Lone Card Co., Ltd. (hereinafter “New Card Co., Ltd.”) (hereinafter “New Card Co., Ltd.”), and thereafter, the Defendant did not pay out of the amount of credit card use.

C. On November 25, 2000, the Defendant entered the Defendant’s name, resident registration number, and address in the application for the membership card of Korea-U.S. Bank (hereinafter “Korea-U.S. Bank”) and signed it.

On July 28, 2004, the Seoul Guarantee Insurance Co., Ltd. (hereinafter referred to as the "Seoul Guarantee Insurance Co., Ltd.") concluded an insurance contract between Han-U.S. Credit Card Member and Han-U.S. Credit Card Member to pay for the unpaid credit card use amount by subrogation with the defendant 2,415,450 won.

On April 10, 2009, the Plaintiff acquired each of the above claims from the Cmat Bank, new card, and Seoul Guarantee Insurance, and notified the Defendant of the fact of the assignment of claims on January 6, 2014 upon delegation of the notification authority of the assignment of claims from each of the above transferor.

E. As of November 11, 2013, the balance and attempted interest of each of the above claims against the Defendant as of November 11, 2013 are as listed in the column set forth below.

Serial Bank 10,417,417,2632,414,520,831,783 Seoul Guarantee Insurance 2,415,4502,598,275,275,013, 2275,832,7132,7134,7134,90,467,46757, 100,46757, 57,733,180

F. The Plaintiff’s livelihood stability and improvement of the welfare by providing credit recovery support services, such as purchase of overdue bonds, debt readjustment, credit guarantee, and loan to financial institutions and other financial institutions.