The punishment against A shall be two years, the imprisonment for the defendant B shall be one year, and the imprisonment for the defendant C shall be imposed.

1. Notwithstanding the fact that Defendant A, Defendant B, and Defendant C’s credit business or loan brokerage business are registered with the Special Metropolitan City Mayor, Metropolitan City Mayor, Special Self-Governing City Mayor, Do Governor, or Special Self-Governing Province Governor having jurisdiction over the pertinent place of business, Defendant A without registering the said business, Defendant B from around September 2019, Defendant C from around September 2019, Defendant C from around April 2020 to May 2020, borrowed the loan business entity’s name “G (representative C)” from the office located in Gwangju Northern-gu, Gwangju Northern-gu, and from the end of May 2020 to H, I, and J, and run credit business with interest paid.

Accordingly, from springing in 2019 to September 2019, Defendant A and Defendant A conspired with each other from September 2019 to April 2020. The Defendants conspired with each other to engage in unregistered credit business from April 2020 to May 2020.

2. Defendant A and Defendant B

A. In the event that an unregistered credit service provider violated the Act on the Protection of Financial Users of Credit Business, etc. provides a loan, the maximum interest rate under the contract for the lending of money does not exceed 24% per annum. Nevertheless, the Defendants leased 450,000 won to K which reported the I Internet site advertisement on May 19, 2020 and received 600,000 won (the annual interest rate of 859.8%) with the interest on June 16, 2020 after 79, and received 45 interest exceeding the statutory interest rate.

As a result, the Defendants, who are unregistered credit service providers, in collusion, lend money as set forth in [Attachment 2-38, 41-45], and then receive interest exceeding the statutory interest rate. Defendant A, who is an unregistered credit service provider, is money as set forth in [Attachment 1], 39, 40].