1. The defendant shall pay to the plaintiff KRW 39,587,656 and KRW 26,472,410 among them, per annum from November 6, 2015 to the date of full payment.

According to each of the following facts, the defendant is obligated to pay to the plaintiff damages for delay calculated at the rate of 26.9% per annum, which is the agreed interest rate, from November 6, 2015 to the date of full payment, as to the total amount of credit card payments to KRW 39,587,656 and the principal amount to KRW 26,472,410, which is the day following the date of final calculation of overdue interest, to the day of full payment.

(1) Around May 18, 2002, the Defendant approved the standard terms and conditions of the credit card individual member upon the Plaintiff’s application for membership as a credit card general member of the Citti Bank, which the Plaintiff handles.

around May 23, 2002, the Plaintiff issued a credit card (credit card No. B) to the Defendant, and the Defendant, around that time, did not receive and use the said credit card from the Plaintiff, thereby losing the benefit of time on September 25, 2014.

Secondly, as of November 5, 2015, the Defendant’s credit card payment obligation to the Plaintiff is KRW 26,472,410, overdue interest of KRW 13,115,246, total of KRW 39,587,656, and the overdue interest rate due to overdue payment of the credit card is KRW 26.9% per annum.

Therefore, the plaintiff's claim is justified and accepted.