1. The plaintiff's claims against the defendants are all dismissed.

2. The costs of lawsuit shall be borne by the Plaintiff.

1. Basic facts

A. Defendant A did not pay the principal of each loan not later than the maturity of each of the following loans on the date stated in the column of each agreement from each of the financial institutions listed below.

Defendant B jointly and severally guaranteed Defendant A’s obligations against Samsung Card No. 1 set forth below.

The sum of the principal and interest of Samsung Card 1,12,09,334 won (interest on principal) on May 7, 2015, 2011. 2, 209, and 334 won on May 5, 2007, the interest rate of loans (24.5%) 9% 1,875,228 won 3,274,863 won on May 5, 2007, 15, 150,091 B 2 Credit Union Measures of 2, 30,50,50,000 won on December 25, 1999, 207, 207, 30,50,50,50,50,000 won on December 21, 207, 2005, 30,50,500,50,000 won, 406,406,406, 198,2

B. Samsung Card Co., Ltd. concluded a mutual agreement on December 12, 2008 with the Plaintiff on June 21, 2013 and transferred each of the loans to Defendant A to the Plaintiff.

The Plaintiff delegated the power to notify the transfer to Defendant A on March 23, 2009, and notified the fact of the transfer of Samsung Card to Defendant A on August 23, 2014 by each content-certified mail.

C. As of May 7, 2015, when calculating the principal and interest of each relevant financial institution according to the respective agreement and the interest rate for arrears of the Plaintiff as of May 7, 2015, the total amount of KRW 77,371,897 (total amount of KRW 42,684,355 in interest for arrears of KRW 34,687,542 in total) as stated in each corresponding column of the foregoing Table remains thereafter, and the Plaintiff applies the interest rate of KRW 17% per annum pursuant to Article 11 of the General Rule on the Management of Entrusted Bonds of the National Dental Fund.

[Ground of Recognition] The facts without dispute, or described in Gap evidence 1 through 5 (including each number), Samsung Card.