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

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

Punishment of the crime

1. Unregistered credit business;

(a) On July 29, 2013, the Defendant, without registering with the competent authority, loaned KRW 15 million to D at a business establishment operated by Yeonsu-gu Incheon Metropolitan City, Yeonsu-gu, Incheon, for the purpose of lending KRW 15 million to D, with a prior interest, offered a loan of KRW 13 million, and agreed to repay the loan ten (10) days after the ten (10) days and then failed to repay the loan. The Defendant again received interest of KRW 2 million for 10 (200,000,000,0000,0000,000).

8.30. The same year including 1.5 million won as prior interest on the loan principal and the remainder of 5 million won, at around 30.30.3 billion won, including 1.5 million won.

9.5. 5 million won was repaid.

B. Around September 16, 2013, the Defendant: (a) lent KRW 5 million to D’s corporate bank account; (b) agreed to provide a loan of KRW 1.5 million under the name of prior interest; and (c) provide a loan of KRW 3.5 million; and (d) pay KRW 5 million to the loan principal after one month.

C. On September 24, 2013, the Defendant, while lending KRW 5 million to D’s corporate bank account, agreed to provide a loan of KRW 1 million with a prior interest and KRW 4 million and to fully repay the principal of the loan on the same day as that of paragraph 1(b), thereby running a unregistered credit business.

2. The Defendant, who received excess interest from the unregistered credit service provider, made a loan to D as set forth in paragraph 1(a), and received interest at an interest rate of approximately KRW 561.5% from the unregistered credit service provider and received interest exceeding the annual interest rate of 30%.

Summary of Evidence

1. Defendant's legal statement;

1. Statement made to D by the police;

1. Application of Acts and subordinate statutes to a certified copy of notarial deed and a statement of account transactions;

1. Article 19(1)1 of the Act on the Registration of Credit Business, etc. and Protection of Finance Users regarding criminal facts and Article 19(1)1 of the Act on the Registration of Terms and Conditions of Punishment and Protection of Finance Users (generally, the occupation of unregistered credit business), Articles 19(2)3 and 11(1) of the Act on Registration of Credit Business, etc. and Protection of Finance Users (the occupation of receiving interest in excess of the unregistered credit service provider), and selection of each fine.