1. The part of the judgment of the first instance against the plaintiff shall be revoked.

2. The defendant shall pay to the plaintiff KRW 1,655,196 and KRW 900,00 among them.

1. Indication of claim;

A. The Defendant obtained a credit card from the Hyundai Card and did not pay the amount of use. The Hyundai Card transferred its claim against the Defendant to Hyundai Capital, and Hyundai Capital Capital transferred its claim to the Plaintiff.

As of December 18, 2013, the Defendant’s debt against the Plaintiff is the total of KRW 3,132,80 of the principal and KRW 3,786,425 of the attempted interest and KRW 6,919,225 of the principal.

B. On March 24, 2009, the Defendant used 2810,000 won at the interest rate of 22.2% per annum, and damages for delay at 29.9% per annum, and failed to pay the above amount. The new card transferred its claim against the Defendant to the Plaintiff.

As of December 18, 2013, the Defendant’s debt against the Plaintiff is the total of KRW 2,810,00 of principal and KRW 3,159,857 of principal and KRW 5,969,857.

C. The defendant obtained a credit card from our card and used it.

The user fee was overdue, and our card transferred its claim against the defendant to the plaintiff.

As of December 18, 2013, the Defendant’s debt against the Plaintiff is the Defendant’s total of KRW 1,33,328, and KRW 1,729,908, and KRW 3,063,236.

The defendant has used the loan at the interest rate of 49% per annum and interest rate of 49% per annum on June 12, 2008 and interest rate of 49% per annum.

The above money was not repaid, and the original loan company transferred the above bonds to the slish loan company, and the slish loan company transferred the above bonds to the plaintiff.

As of December 18, 2013, the Defendant’s debt against the Plaintiff is the total of KRW 1,991,955, and KRW 3,705,51, and KRW 5,697,466.

E. On May 22, 2008, the Defendant: (a) took out a loan of KRW 4 million at an interest rate of 48.54% per annum from the social company E&P; and (b) did not repay the above amount; (c) the social company E&P took over the above claim to E&P capital loan company; and (d) the E&P capital loan company.