1. Defendant A shall be punished by imprisonment for two years.

48,161,058 won shall be additionally collected from the defendant.

2. Defendant B.

Punishment of the crime

1. Any person who intends to engage in credit business or credit brokerage business shall register the business with the competent authority having jurisdiction over the relevant place of business, and no one shall receive interest exceeding 25% per annum, which is the maximum interest rate under the Interest Limitation Act, when any unregistered credit service provider lends a loan, and no one shall lend a loan to any user of telecommunications billing services through conducting transactions of telecommunications billing services pretending the sale of goods, etc., or cause any user of telecommunications billing services to purchase or use goods, etc. through telecommunications billing services and then provide a user of telecommunications billing services with a loan through purchasing goods, etc. discounted by the user of telecommunications billing services;

The Defendants conspired to post an advertisement "on-line settlement" on the Internet C or D website, and reported it from the applicant for the loan, and contact with the loan applicant: ① after having the loan applicant downloaded the "on-line open-air racker" registered in advance on the EM box, so that the information service fee may be paid in small amount to the extent corresponding to the desired amount of the loan, ③ upon confirmation of the details of payment, transfer the balance to the loan applicant after deducting approximately 15-20% of the pre-paid interest on the commission name, and then, the principal shall be paid on the date of payment of the mobile phone fee; ② the loan applicant purchases the Internet item on the mobile phone small-amount payment; ② the loan applicant purchases the Internet item on the mobile phone; and then, the borrower received the above payment from the loan applicant; and ③ the principal shall be paid on the payment date of the mobile phone fee; ③ the loan applicant’s lending to the amount corresponding to the amount of the loan on the Internet website, and shall make the loan applicant settle as if the amount corresponding to the amount.