1. The defendant shall pay to the plaintiff KRW 324,515,536 and KRW 132,261,772 from October 28, 2014 to the date of full payment.

1. Determination as to the cause of claim

(a) The facts below the facts are acknowledged by comprehensively taking account of each of Gap evidence of 1 to 7 (including additional evidence) and the whole purport of the arguments as a result of this court's order to submit financial information to one card corporation.

1) The Defendant, upon receipt of a loan agreement and a credit card use agreement from each of the financial institutions listed below, approved that the basic terms and conditions of credit transaction (credit card holders) apply, and agreed to pay damages for delay calculated in accordance with the interest rate prescribed by each financial institution from the date the balance of the loan and the due date was lost to the date of full payment. The Defendant delayed the performance of each of the following obligations thereafter. (ii) The Plaintiff acquired each of the loans against the Defendant on each of the relevant financial institutions listed in the “transfer Agency” column as follows.

2. The Plaintiff received 35,090,410,412,868, 868, 869, 869, 84, 200, 297, 2336, 497, 2397, 2397, 237, 2367, 2397, 2368, 264, 268, 208, 286, 25. 2. 2. 3. 3. 16. 2. 3. 4. 6. 6. 2. 3. 4. 4. 6. 2. 3. 2. 3. 3. 4. 4. 6. 2. 3. 86. 3. 3. 205 . 3. 3. 862. 3. 205 3. 3. 168 3. 18 3. 8. 2. 30. 1. 68