The judgment of the first instance court is modified as follows.

Of the instant lawsuits, KRW 29,077,010 and KRW 7,120,432 among them shall be as follows.

1. Facts of recognition;

A. On June 24, 200, the Defendant subscribed to and used a credit card by obtaining a credit card (hereinafter “instant credit card No. 1”) by obtaining a credit card (hereinafter “D card”) from C Co., Ltd. (hereinafter “the instant credit card use-price claim”), ② on September 25, 2001, E Co., Ltd. with a loan limit of KRW 6,600,00, and on September 25, 2002, with a loan period of KRW 14.9% per annum, and delayed payment rate of KRW 27% per annum (hereinafter “the instant loan principal and interest claim”) to the Defendant on the credit card No. 20, and around July 22, 197, the Defendant transferred the instant credit card claim No. 3G bonds to the Defendant (hereinafter “the instant loan No. 2”) by obtaining a credit card’s membership to the F Co. 2, Ltd., Ltd. (hereinafter “the instant credit card purchase-price No. 3G bonds”).

(c)

The Defendant lost the benefit of time due to the failure to repay each of the instant claims at once. Accordingly, the Defendant’s remaining debt remaining as of September 25, 201 as of July 22, 1997, 120, 120, 432, 21, 2156, 578, 297, 07, 378, 80, 163,522, 11,370,90 won in G Bank 2 G Bank G 2, 201, 6,681, 752 won in total, 12,207, 598, 18, 89, 350 won in total, and 3 H Bank 20, 120, 432 won in total, 21, 956, 578 won in total, 29, 07, 010 won in total, 16,5262,579.3

(d)

On April 10, 2009, the Plaintiff acquired the instant claim No. 1 and the instant claim No. 2 from G bank respectively, and on June 21, 2013, the Plaintiff acquired the instant claim No. 3 from H bank (hereinafter collectively referred to as “transfer of each of the instant claims”).