If the defendant does not pay the above fine, 50,000 won.

The Defendant is a person who has worked as an employee of a mutual loan brokerage company in the name of “B.”

1. On October 30, 2012, the Defendant misrepresented the victim as the 304th floor of the Mapo-gu Seoul Metropolitan Government DD Building 304, and made a false statement to the effect that “If 39% interest is paid per annum by obtaining a loan from the loan companies located in several locations at the rate of 39% per annum for the recovery of credit rating of the loaner and the convenience of loan, the Defendant transferred the loan to the new capital and exchanged the loan to the new capital 12% per annum, and the difference between the 39% interest and 12% interest paid for the two months shall be deducted from the principal while transferring to the new capital, so there is no damage.”

However, the defendant is not a new capital employee, and even if the victim obtains a loan at the interest rate of 39% per annum from many loan companies in the above location, there was no intention or ability to convert the loan to 12% per annum, such as the promise.

Nevertheless, the Defendant borrowed 67 million won at the interest rate of 39% per annum from 15 lending companies, such as Esphism social, etc., such as Esphism (1) on the same day, and caused 15 lending companies, such as Esphism social, to obtain monetary gains equivalent to the amount of loan business gains under the above loan.

2. On November 29, 2012, the Defendant: (a) misrepresented the victim as SC Capital Staff; (b) misrepresented the victim as SC Capital Staff; and (c) made a false statement to the same effect as described in paragraph (1).

However, the Defendant did not have an intention or ability to convert the loans to 12% per annum, such as the promise, even if the Defendant was not a SC Capital employee, and the victim was given a loan at an annual interest rate of 39% from several lending companies as above.

Nevertheless, the defendant has caused the victim to enter the list of crimes (2) in the attached Form around November 30, 2012.