1. The Defendants jointly and severally pay to the Plaintiff KRW 55,400,269 as well as KRW 34,645,708, among them, from August 28, 2014.

1. In fact, Defendant A Co., Ltd. applied for membership with credit card holders to the Industrial Bank of Korea and used the service, and Defendant B provided joint and several surety for the above debt.

Defendant B denied the fact of joint and several sureties, but it is recognized as joint and several sureties based on evidence.

As a result, 34,645,708 won of principal, 2,609, 703 won of interest accrued, and 18,14,858 won of interest accrued.

On November 3, 2011, the Plaintiff acquired the above bonds from the Industrial Bank of Korea, and the notification was delivered to the Defendant around July 28, 2014.

[Reasons for Recognition] Evidence A Nos. 1 through 7

2. Therefore, the Defendants are jointly and severally liable to pay to the Plaintiff KRW 55,400,269 (the principal amount of KRW 34,645,708 plus interest of KRW 18,144,858) and damages for delay calculated at the rate of 18% per annum from August 28, 2014 to the date of full payment, as the Defendants are jointly and severally liable to pay to the Plaintiff the unpaid principal amount of KRW 34,645,708. Thus, the Plaintiff’s claim seeking damages for delay is with merit.