A shall be punished by imprisonment for eight months, by a fine of 2,00,000 won.

Defendant

B The above fine.

Defendant

A is a person who takes charge of the affairs of the H Saemaul Fund from around 2002 to around 1, 201, and takes charge of the affairs of the H Saemaul Fund. Defendant B is a person in charge of credit affairs while working as the head of the division from the early 2009 police officer, and I is a person in charge of credit affairs while working as the director from June 2009 to August 1, 201.

From around 2008, the Defendants conspired to operate the computer system by arbitrarily changing the surcharge rate without the consent of the customers, knowing that it is practically difficult for the Defendants to obtain consent from the loan customers when the CD interest rate decline due to the decline in the interest rate in the case of the existing CD interest rate linkage loan loan, and that the low interest rate continued in 2009, and that the low interest rate was anticipated to continue to exist, and thus the H Saemaul Fund’s loss was anticipated. In order to change the surcharge rate, the Defendants discussed the countermeasures against the increase in the interest rate, and, in order to change the surcharge rate, it was difficult for the loan customers to obtain consent from the loan customers.

Accordingly, Defendant A instructed Defendant B, at the office of the H Saemaul Depository on February 7, 2009, to the effect that “the CD interest rate was changed to the rate as much as the interest rate was lower than that of the customer because the CD interest rate was set off.” Defendant B, without the consent of the victim J on February 7, 2009, obtained unjustly the amount of money equivalent to KRW 562,357 from the above J’s loan account by changing the additional interest rate by the method of changing the additional interest rate by January 4, 201, such as entering the said J’s loan account into the computer terminal by 2.5% higher than that of the said J’s loan account without the consent of the victim J.

In addition, as shown in the separate sheet Nos. 1 through 150 from that time until August 19, 2009, the Defendants conspired with I, and the Defendant A conspired with I, from August 31, 2009 to July 22, 201, set forth in the separate sheet Nos. 87, 151, 153 through 159.