A A shall be punished by a fine of KRW 7 million, and Defendant B shall be punished by a fine of KRW 5 million.

The above fines are imposed by the Defendants.

A person who intends to engage in credit business shall register with the Special Metropolitan City Mayor, a Metropolitan City Mayor, a Metropolitan City Mayor or a Special Self-Governing Province Governor having jurisdiction over the relevant place of business, and if an unregistered credit service provider lends a loan, the loan shall not exceed 30 percent per annum

1. Defendant A did not register a credit business with the competent authority, and around June 8, 2012, the Defendant loaned KRW 1,000,000 per annum to C with an advertisement for the number of days prior to a place where the location of Gangseo-gu Seoul Metropolitan Government is unknown, at an interest rate of 45% per annum. From around that time to December 3, 2012, Defendant A loaned a loan exceeding 31% per annum, such as the list of crimes (2) in attached Form 30% per annum.

2. Defendant A and B did not register a credit business with the competent authority, and around December 12, 2012, Defendant A and the Defendants loaned KRW 3,00,000,000 per annum to D who reported and contacted the advertisement of the street loan at a trade-free store located in Yangcheon-gu Seoul Metropolitan Government, with the interest rate of KRW 225.7% per annum. From around that time to March 1, 2013, Defendant A and B loaned loans exceeding 30% per annum 12 times per annum, as shown in the attached list of crimes (1).

Summary of Evidence

1. Defendant's legal statement;

1. Statement to E by the police;

1. As to the number of days, a copy of the account book, a copy of the F-name loan contract, a copy of the G-name loan contract, a copy of the H-name loan contract, a copy of the name loan contract, a copy of the name loan contract, a copy of the name loan contract, an agricultural bank account transaction under the name

1. Article 19 (1) 1 and Article 3 (1) of the Act on Registration of Credit Business, etc. and Protection of Finance Users (the point of running a credit business without registration under paragraph (1)), Article 19 (2) 3 and Article 11 (1) of the Act on Registration of Credit Business, etc. and Protection of Finance Users, and Article 2 (1) of the Interest Limitation Act.