1. The Defendants are jointly and severally liable to the Plaintiff.

A. From September 1, 2014, for KRW 2,343,64,684 and KRW 1,980,000 among them.

1. Facts of recognition;

A. On August 25, 2010, the Plaintiff entered into a credit transaction agreement with Defendant A Co., Ltd. (hereinafter “Defendant A”) with a loan amount of KRW 2,200,000,000, and the repayment date of KRW 15% per annum on July 25, 2013, and lent KRW 2,200,000,000 to Defendant A.

Defendant B guaranteed Defendant B's loan obligations on the same day.

From July 2, 2013, Defendant A lost the benefit of time beginning with the delayed payment of the principal repaid in installments. Defendant A did not pay the principal amount of KRW 1,980,00,000 as of September 1, 2014, overdue interest of KRW 363,64,684 as of September 1, 2014, and KRW 2,343,644 as of KRW 2,343,64,684 as of KRW 2

B. On March 29, 2006, Defendant A joined the Plaintiff’s credit card holder and used the NHFC card, and Defendant B jointly and severally guaranteed Defendant A’s credit card obligations.

From May 21, 2013, Defendant A lost the benefit of time beginning with the overdue payment of the credit card use fee, and Defendant A did not pay the principal amount of KRW 49,83,508 as of September 1, 2014 and the late payment charge of KRW 15,429,225.

[Reasons for Recognition] Each entry of Gap 1 to 10 evidence (including each number), the purport of the whole pleadings

2. According to the above facts of recognition on the market, the Defendants are jointly and severally liable to pay the Plaintiff loans and credit card use fees as indicated in the order, pursuant to credit transaction agreements and credit card use agreements.

3. Therefore, the claim of this case is justified.