1. The defendant shall pay to the plaintiff KRW 55,869,544 and KRW 36,804,644 among them, from February 26, 2015 to the day of full payment.

1. Basic facts

A. On May 28, 2001, the Defendant submitted to the Korea Housing and Commercial Bank Co., Ltd. (hereinafter “Housing Bank”) an application for the membership of the non-Scock cards and used the credit card (hereinafter “the first credit card”) after obtaining the issuance of the credit card.

On November 1, 2001, the Housing Bank was merged with the National Bank of Korea Co., Ltd. (hereinafter referred to as the "National Bank").

B. On September 13, 2001, the Defendant entered into a loan transaction agreement with the Housing Bank by setting the lending limit of 15,000,000 won, the lending period of September 13, 2002, interest rate of 12.1% per annum, and delay compensation rate of 19% per annum.

On February 15, 2007, the Defendant entered into an additional trading agreement between the National Bank and the National Bank to extend the time limit for the limited trading.

(hereinafter referred to as “Automatic passbook loans”). (c)

On February 22, 2005, the Defendant submitted to the National Bank an application for the K Costa Credit Card to obtain a credit card and used the credit card (hereinafter “second credit card”).

In addition, on February 12, 2010, the Defendant borrowed KRW 5,000,000 as a card loan (hereinafter “credit card loan”) using the said credit card.

On March 2, 2011, the National Bank established the KBN National Card Co., Ltd. (hereinafter referred to as the “National Card”) and transferred the card affairs.

E. On June 21, 2013, the national card transferred the credit card loans and credit card loans to the Defendant to the Plaintiff. On July 5, 2013, the national bank transferred the credit card loans and credit card loans to the Plaintiff.

On June 23, 2014, the Plaintiff delegated the national card and the national bank with the power to notify the transfer of each of the above assignment to the Defendant.

F. As of February 25, 2015, the principal amount of credit card No. 1 as of February 25, 2015 is KRW 9,700,192, the unpaid interest rate is KRW 2,819,168, the principal amount of credit card No. 2 is KRW 7,104,452, the unpaid interest rate is KRW 2,064,767, and credit card loans claims.