Defendant shall be punished by imprisonment for a term of one year and two months.

However, the above sentence shall be executed for a period of two years from the date this judgment becomes final and conclusive.

Punishment of the crime

"2015 Highest 2660"

1. On November 18, 2014, the Defendant violated the Act on the Registration of Loan Business, etc. and the Protection of Financial Users: (a) lent KRW 2 million to the victims D, a high school established by the Defendant, who reported and contacted the Defendant’s loan advertisement in Ulsan (hereinafter referred to as Ulsan) and loaned KRW 1,60,000,000,000,000,000,000,000 per week, under the prior interest, under the condition that the Defendant would receive interest of KRW 2,000,000 per week until the principal is repaid; (b) received KRW 2,000,000 per annum from the time to April 21, 2015, and received interest at an annual interest rate of KRW 90,000 per annum exceeding 25% per annum, from that time until April 21, 2015.

2. A person who collects claims in violation of the Fair Debt Collection Practices Act shall not engage in acts that seriously harm privacy or peace in business by repeatedly or at night, without justifiable grounds, by sending words, etc. to debtors or their related persons, such as calls, without justifiable grounds, in connection with the collection of claims;

A. On September 9, 2015, the Defendant committed the crime against the victim E on the ground that D borrowed money was not repaid at a bar, U.S. (hereinafter “S.”) around U.S. on September 15:11, 2015, the Defendant sent to the victim E (hereinafter “D credit”) living together with D”) using the Defendant’s mobile phone, thereby causing fear or apprehension of privacy by repeatedly transmitting the same text as that indicated in the attached Table 2 from September 14, 2015, to the victim E (the age 21).

(b).