1.The judgment of the first instance shall be modified as follows:

The plaintiff succeeding intervenor's claim is dismissed.

2. The total cost of the lawsuit.

1. The plaintiff succeeding intervenor's assertion failed to pay the principal amount of KRW 10,038,322 among the national bank and credit card transactions. The plaintiff succeeding intervenor acquired the principal and delayed payment damages through the promotion savings bank corporation, and each notification of transfer was made.

Therefore, the defendant is liable to pay the principal and delay damages to the plaintiff succeeding intervenor.

2. The plaintiff succeeding intervenor's assertion is without merit, since the plaintiff succeeding intervenor did not make any specific argument about the cause and time of the defendant's obligation.

(3) The plaintiff succeeding intervenor's claim is dismissed as it is without merit, and the plaintiff succeeding intervenor's claim is succeeded to the trial, and the judgment of the court of first instance is modified as it is ordered.