A defendant shall be punished by imprisonment for one year.

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

Punishment of the crime

1. Any person who runs a business of registering large-scale side business, etc. through the operation of unregistered loan business and lending money in violation of the Act on the Protection of Financial Users shall register a branch office of each Special Metropolitan City Mayor, Metropolitan City Mayor, Metropolitan Autonomous City Mayor, Do Governor or Special Self-Governing Province having jurisdiction over the relevant place of business;

Nevertheless, on February 29, 2016, the Defendant, without registering a loan business, lent KRW 3.4 million to F and received interest on the condition that F repay 12,000 won per week at the E main point in the underground floor of D Building at Sinpo-si, Sinpo-si, Sinpo-si, and operated the unregistered loan business by lending KRW 72.9 million to the debtor from February 29, 2016 to May 20, 2016, as shown in the separate crime list.

2. Where a registered credit service provider, etc. violating the Act on the Registration of Side Business, etc. and Protection of Financial Users due to excess of the interest rate, makes a loan, the interest rate shall not exceed 25 percent per annum;

A. On February 29, 2016, the Defendant loaned KRW 4 million to G at the same place as that of paragraph (1) around February 29, 2016, and deducted KRW 400,000,000 from the prior interest and KRW 200,000,000,000 per annum, and received KRW 4,89,000 per annum on 12 occasions a week, and received interest exceeding the limited interest.

B. On February 29, 2016, the Defendant loaned KRW 4 million to F, at the same place as that of paragraph (1) around February 29, 2016, and deducted KRW 400,000,000,000,000,000,000 from the prior interest, and then received KRW 3.4 million from each share of KRW 4,80,000,000,000 per share in 12 times, thereby lending KRW 29.8% per annum and receiving interest exceeding the limited interest.

(c)

On February 29, 2016, the Defendant loaned KRW 35 million to H, at the same place as that of paragraph (1) around February 29, 2016, and deducted fees, interest, and 28 million won. The Defendant paid KRW 12 million in total over 12 times per week by one million per week, and paid KRW 20 million in principal.