1. The defendant shall pay to the plaintiff the amount of KRW 57,798,902 and KRW 30,874,970 among them to the day of full payment.

1. Facts of recognition;

A. The Defendant agreed to pay all expenses, annual fees, fees, interest, etc., together with the Plaintiff’s overdue interest rate determined by the Plaintiff (23% a year from March 1, 2012 to 29.9% a year), on the following grounds: (a) the Defendant applied for membership of the credit card and received the credit card from the Plaintiff without distinguishing the Plaintiff from the Plaintiff; and (b) the credit card user fee and fees incidental thereto; (c) the Defendant paid the credit card user fee and fees; (d) the overdue interest rate prescribed by the Plaintiff (23% a year from March 1, 2012 to 29.9% a year); and (e) the Defendant agreed to pay all expenses, annual fees, product-specific fees, and interest. In the case of the Defendant

B. As of January 12, 2015, the Defendant lost the benefit of time due to the overdue payment of the credit card fee. The amount of the credit card use fee in arrears as of January 12, 2015 is KRW 30,874,970, interest29, interest 229,471, late payment charge 24,53,975, and legal cost 145,234. The sum is KRW 57,798,902.

[Ground of recognition] Facts without dispute, entry of Gap evidence 1 to 5, purport of the whole pleadings

2. According to the above facts finding as to the cause of the claim, the Defendant is obligated to pay to the Plaintiff damages for delay calculated at the rate of 29.9% per annum, which is the overdue interest rate from January 13, 2015 to the date of full payment, as to the total amount of KRW 57,798,902 and the principal amount of KRW 30,874,970 among the above credit card usage charges, barring special circumstances.

3. In conclusion, the plaintiff's claim of this case is justified and it is so decided as per Disposition.