A shall be punished by a fine of KRW 15,000,00 and by a fine of KRW 5,00,000, respectively.

The above fines are imposed by the Defendants.

1. Defendant A

A. A. On July 17, 2013, the Defendant violated the Specialized Credit Financial Business Act, in collusion with C on the name omitted C, stating that D would pay 8,670,000 won by telephone using personal information acquired by C in an improper manner at a place in Suwon-si, and transferred it to a national bank account (Account Number: E) after transferring it to D by means of a credit card number on the following day, credit card number, validity period, and 12,390,000 won by means of a national card even though KT did not impose a communications fee on DT, the Defendant paid 12,390,000,000 won by 12,390,000 won by means of a lot card and 18 months by pretending to sell goods and provide services to 44 persons by the same method until December 4, 2013 as indicated in the attached crime list (1).

B. The Defendant violated the Act on Registration of Credit Business and Protection of Financial Users, in collusion with C, and without registering the credit business to the competent administrative agency.

From July 17, 2013 to December 4, 2013, 2013, a sum of KRW 193,672,645 was lent to D, etc., and their credit cards were settled in total amount of KRW 228,95,370, and 86,445,315, the difference was 86,445,315.

C. On March 2013, the Defendant in violation of the Electronic Financial Transactions Act received the means of electronic financial transactions by receiving the passbook, physical card, and password from the CPC bank I account in the name of H under the pretext of entry and withdrawal for credit card substitute payment from “GPC bank” located near the Bupyeong-gu Incheon Metropolitan City.

2. Defendant B, as a telecommunications fee settlement business entity on July 17, 2013, did not impose a telecommunications rate of KRW 2,590,000 on the phone card of J, and did not impose a telecommunications rate of KRW 1,3,55,00 on eight credit cards by the same method until October 30, 2013, as described in the table of crime (1), such as settling the amount of KRW 2,590,000 on the phone card of J.