A shall be punished by a fine of KRW 7 million, and Defendant B shall be punished by a fine of KRW 1 million.

The above fines are imposed by the Defendants.

Defendant

A is a person who operates an unregistered loan company without any trade name, and the same B is an employee of the above company.

1. Violation of the Act on Registration of Credit Business, etc. and Protection of Finance Users;

(a) Any person who intends to run a credit business or a loan brokerage business without registration shall file for registration with the Do Governor having jurisdiction over the relevant place of business in each place of business;

Nevertheless, from September 2013 to December 6, 2013, the Defendants distributed the name cards of loan advertisements to Yangyang-gun and Young-si areas, and the Defendants decided to lend money after consultation if contact had been reported on the leaflet.

Accordingly, in September 2013, the Defendants loaned money to 11 persons, including the principal and interest, to the J in Yangyang-gun H located in Yangyang-gun in order to the end of September 2013, by lending KRW 1,500,000 to the J who contacted through the above method and receiving KRW 30,000 per day for 65 days.

Accordingly, the Defendants engaged in the unregistered credit business by the aforementioned act.

(b) An unregistered credit service provider may not collect a loan from an individual or a small-scale corporation at a rate exceeding 30 per annum under the Interest Limitation Act.

Nevertheless, the Defendants, within the scope of H in Yangyang-gun, Gangwon-do, D in order of September 2013, 2013.

like the facts in subsection 1,50,000 won as a loan to the above J and received annual interest rate of 30,000 won (25.4% per month) from 1,50,000 won per 65 days per day, including principal and interest, for 30,000 won per day including principal and interest, etc., and received interest through 12 times as shown in the attached list of crimes.

Accordingly, the Defendants collected interest exceeding 30% per annum due to the above act.

2. The means of access used to make a transaction request in electronic financial transactions in violation of the Electronic Financial Transactions Act (defendant A) or to secure the authenticity and accuracy of users and the details of such transaction shall be different;