1. The Defendant’s 26,114,356 won and 14,216,528 won among them shall be 24.5% per annum for the Plaintiff, and 984,560 won.

1. Comprehensively taking account of the respective descriptions of evidence Nos. 1 and 4 and the overall purport of the pleadings, the Defendant approved on August 10, 2009 by joining the credit card member handled by the Plaintiff as a credit card member and implementing each provision of the Credit Card Member Regulations, and agreed to lose the benefit of time and pay the overdue charge of the interest rate determined by the Plaintiff.

As of January 11, 2016, the Defendant used the credit card issued by the Plaintiff pursuant to the agreement, each of the relevant principal and late payment charges, etc. as of January 11, 2016, and the overdue interest rate determined by the Plaintiff is recognized as follows:

The interest rate on delay in total, including principal and late payment, 984,560 won in lump sum, 18,122 won in 1,02,682 won in 23.5% per annum, 14,468,236 won in annual interest rate of 24.5% per annum, 273,423 won in annual interest rate of 10,643,571,103 won in total, 26.5% per annum 26.5% per annum, 26,114,356 won in total, 26.5% per annum.

2. If so, the plaintiff's claim of this case is reasonable, and it is decided as per Disposition with the assent of all participating Justices.