1. The judgment of the first instance court, including the respective claims of plaintiffs Q and R expanded from the trial, shall be modified as follows.

1. The reasoning for the court’s explanation on this part of the basic facts is as follows, and the part of the judgment of the court of the first instance, 5 to 10 to 6 pages, is used as follows, and 2. The part of the judgment of the court of the first instance, except where the part of the 6th line “attached sheet” is used as a “amount sheet”, is the same as that of the corresponding part of the judgment of the court of the first instance. Thus, this part is cited in accordance with the main sentence of Article

1) Defendant New Card Co., Ltd. (former Han Card Co., Ltd. transferred all of the credit card business from the former Han Card Co., Ltd. on October 1, 2007 and changed to the current trade name) and Ko National Card Co., Ltd. (Defendant National Bank Co., Ltd. took over the instant legal proceedings at the first instance court, as the dividing date of February 28, 201 pursuant to Article 530-2 of the Commercial Act, as the company that separately established the credit card business sector by separating the credit card business sector as the dividing date), Samsung Card Co., Ltd., Hyundai Card Co.,, Ltd., Hyundai Card Co., Ltd, Hyundai Card Co., Ltd., Ltd., Ltd., Ltd., Ltd. (former Han Card Co., Ltd. transferred all of the credit card business to the former El Card Co., Ltd., Ltd., Ltd., and changed to the current trade name on Oct. 1, 2007; Defendant Samsung Card Co., Ltd., Ltd., Ltd., Ltd., the Korea Exchange Bank’s “Defendant Samsung Card Co.”).”).