Defendant shall be punished by a fine of KRW 5,000,000.

If the defendant does not pay the above fine, 50,000 won shall be paid.

Punishment of the crime

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

(a) Any person who intends to occupy and use a unregistered credit business shall register with the Special Metropolitan City Mayor, Metropolitan City Mayor, Special Self-Governing City Mayor, Do Governor, or Special Self-Governing Province Governor who has jurisdiction over

around April 22, 2012, the Defendant, without registering a credit business, lent 1.5 million won to D at the main point of “C” located in C at Samgam-si B, and loaned 1.5 million won after deducting 1.5 million won as the interest rate, and extended 1.50 thousand won for every 30 days on condition that 1.5 million won as the interest rate shall be paid. From April 22, 2012 to April 19, 2013, the Defendant loaned 66.1 million won in total over 46 times as shown in attached Table 1.

(b) Where an unregistered credit service provider, who runs a credit business without registering the fact that it exceeds statutory interest rates, lends a loan, the interest rate shall not exceed 30 percent per annum from the maximum interest rate of 40 percent per annum stipulated in Article 2 (1) of the Interest Limitation Act (30 percent from October 26, 201 to 30 percent of the interest rate limitation), which is the maximum interest rate under a cash lending contract (with respect to the interest rate).

The Defendant, without registering a credit business, lent 1.5 million won to D at the main point of “C” located in C at Samyang-si, on April 22, 2012, 1.350 thousand won after deducting 1.5 million won as the interest rate, and received 1.50 thousand won interest per 30 days at an interest rate exceeding the statutory interest rate, and received 120 percent interest per annum from April 222, 2012 to April 19, 2013, and received interest exceeding the statutory interest rate of 46 times in total, as shown in attached Table 1.

2. Violation of the Fair Collection of Claims Act;

(a) No debt collector shall assault, threaten, arrest, or detain, or use deceptive schemes or force against, a debtor or his/her related person;

The Defendant is in the North Dong-dong in the East Sea on April 2013.