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

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

A. On April 2014, the Defendant: (a) reported that the name of a loan advertisement distributed by the Defendant in Cmatet located in Busan High-gu, Busan High-gu, and (b) loaned KRW 2 million after deducting KRW 200,000 as a prior interest, to D who called for a loan of KRW 2 million; and (c) agreed to receive interest at KRW 436.7 percent per annum on a 65-day basis that 40,000 won shall be paid for 65 days each day.

Accordingly, the defendant operated credit business under unregistered circumstances, and violated the interest rate limit.

B. On July 2014, the Defendant loaned 1.8 million won, deducting 200,000 won as a prior interest, from the Cmate in Busan High-gu, Busan High-ro, to the said D, and agreed to receive 436.7% interest per annum on a 65-day redemption period, 40,000 won per day.

Accordingly, the defendant operated credit business under unregistered circumstances, and violated the interest rate limit.

2. Violation of the Fair Collection of Claims Act;

A. On September 1, 2014, at around 17:30 on September 1, 2014, the Defendant committed a debt collection act using force by putting the victim D with the desire to “assume frien fat fat fat fat fat fat fat fat fat fats,”

B. On September 3, 2014, at around 17:30 on September 3, 2014, the Defendant committed a debt collection act using force by putting the victim D with the desire to “spawn payment of spawn money and whether to carry out funeral services” at the place specified in paragraph (1).

C. On September 13, 2014, at around 18:00, the Defendant displayed the letters of both arms among other customers at the places indicated in paragraph (1) and took the bath of “YYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYNYYYYYYYYYYYYYYNYYYYYYYYYYYY

Summary of Evidence

1. Defendant's legal statement;

1. Application of each police protocol of statement to D;

1. Registration of each credit business and each of the choice of punishment for facts constituting an offense, and a finance user;