1. The defendant shall pay to the plaintiff the amount of KRW 101,90,075 and KRW 25,673,637 among them from February 13, 2015 to the day of full payment.

1. The occurrence of debts;

A. The Defendant received credit cards, etc. or borrowed loans on the date stated in the agreement date column from a financial institution listed in the separate sheet of accounts for principal and interest (hereinafter “creditor financial institution”) and lost the benefit of time due to the Defendant’s failure to pay the credit cards thereafter.

B. By February 12, 2015, a day before the base date, obligations under the above agreement by the Defendant are identical to the content of each statement of principal and interest attached with Gap evidence 1.

C. In relation to the claim for damages for delay, the Plaintiff intends to apply 17% per annum, which is the minimum interest rate among the interest rate on damages for delay at a financial institution, from February 13, 2015 to the full payment.

2. The creditor financial institutions notified the transfer and assignment of loan claims have transferred the bonds concerned to the Plaintiff according to the asset transfer contract, and the Plaintiff, after the transfer, issued the notice of transfer to the Defendant.

3. If so, the defendant is obligated to pay to the plaintiff the same amount as that of the claim.

I have the honor to this effect.