Defendant shall be punished by a fine of KRW 3,000,000.

When the defendant does not pay the above fine, 100,000 won.

Punishment of the crime

The defendant is the head of family.

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

(a) A person who intends to run a loan business without registration or a loan brokerage business shall register with the Special Metropolitan City Mayor, Metropolitan City Mayor, Do Governor, Do Governor, or Special Self-Governing Province branch having jurisdiction over the relevant place of

Nevertheless, on April 3, 2015, the Defendant paid 2,000,000 won to the Saemaul Treasury (D) account of Korea on April 3, 2015, and operated a loan business without registration against many people.

(b) If a credit service provider lends an unregistered loan to an individual or a small-scale corporation prescribed by Presidential Decree, the loan may not exceed the interest rate of 25 percent per annum;

Nevertheless, the Defendant agreed to lend C a loan of KRW 200,000,000 on April 3, 2015 with a ten-day grace period, and thereafter, loaned KRW 1,800,000 after deducting KRW 200,000 from prior interest.

Accordingly, the Defendant violated the interest rate limit by receiving interest equivalent to 405% per annum.

B) On April 17, 2015, the Defendant continued to provide the above C with a loan of KRW 100,000,000,000 to the said C, and agreed to make a change of KRW 100,000 at ten-day intervals, and thereafter, the Defendant loaned KRW 90,000 after deducting KRW 10,000 from the preferred interest.

Accordingly, the Defendant violated the interest rate limit by receiving interest equivalent to 405% per annum.

B. On July 20, 2015, the Defendant violated the Fair Debt Collection Practices Act (hereinafter “Fair Debt Collection Practices Act”) and murdered upon C’s request on July 20, 2015 with a mobile phone of the said debtor who did not repay his/her debt.

At the same time, the message of intimidation was sent five times in total, as shown in the attached Table, from the time when the message of intimidation was sent, so that it would not be returned to each other during the instant simple door-to-door door-to-door door-to-door, which died.

As such, the defendant is justified in collecting claims.