1. Revocation of a judgment of the first instance;

2. As to KRW 16,720,653 as well as KRW 7,817,629 as to the Plaintiff.

1. Facts of recognition;

A. On February 20, 2002, the Defendant issued a credit card from the Korea CTR Bank and used the credit purchase and credit card loan. As of February 27, 2009, the principal amount of the credit card use price for the Korea CTR Bank (hereinafter “the instant 1 card price”) is KRW 3,508,320.

B. On August 9, 200, the Defendant issued a credit card from the National Bank with the credit card purchase and credit card loan and used it. As of October 30, 2009, the principal amount of the credit card use price to the National Bank (hereinafter “the credit card purchase price”) is KRW 2,424,329.

C. The Defendant borrowed KRW 2,00,000 from the National Bank on June 14, 2002. As of October 30, 2009, the principal amount of loans to the National Bank (hereinafter “instant loans”) is KRW 2,00,000.

On April 10, 2009, the Korea CTR Bank transferred the instant credit card No. 1 to the Plaintiff. On December 10, 2009, the National Bank transferred the instant credit card No. 2 and the instant loan claims to the Plaintiff, and on April 12, 2015, the Korea CTR Bank and the Plaintiff entrusted the power to notify the assignment of claims by the Korean CTR Bank and the Korean National Bank notified the Defendant of the transfer of claims.

E. The principal and interest of each of the instant claim against the Defendant is calculated on April 9, 2015, as indicated below.

On the other hand, the interest rate for delay applied by the plaintiff pursuant to Article 11 of the General Rule on the Management of the Trusted Bonds of the National Duplicative Fund is 17

At present, 3,457,440 won, 83,830 won, 3,604,659 won, 7,895,929 won, 1,971,974,224,224 won, 1,826,706 won, 4,001, 930 won, 2,389, 189, 219,326 won, 214, 279 won, 4,822, 794 won, 7,817, 629 won, 16, 720, and 653 won, / [Grounds for recognition] subparagraph 1-3, 2, 3, 3, 5, 606 won, 4, 93 of the National Bank of Korea, 3, 189, 189, 214, 27, 27, and 2-1-2 of the oral proceedings

2. Determination

A. According to the above facts of recognition, the defendant is the transferee of the bonds.