Defendant

A shall be punished by imprisonment with prison labor for eight months and by imprisonment for six months.

, however, the defendant from the date of this judgment.

Punishment of the crime

The Defendants, together with J, conspireded to engage in credit business in order to prevent loans to people in need of money and distribute profits by receiving high interest rate.

1. Violation of the Act on Registration of Credit Business, etc. and Protection of Financial Users by Defendant A;

A. The Defendant running a credit business without registration in collusion with the J on October 27, 201, to March 7, 201, and from July 22, 2011 to October 25, 201, the Defendant operated the credit business office without registration with the Mayor/Do Governor as “L” in Seoul, Gangnam-gu K and 910 from July 2, 201 to October 25, 201.

(b) If a credit service provider in violation of a limited interest rate lends a loan to an individual or an unregistered credit service provider lends a loan to an individual, no interest may be collected exceeding the limited interest rate under the Restriction Act;

Nevertheless, the Defendant, in collusion with the J on May 4, 2010, lent 1.5 million won in cash from the said N office for 1.50 days from May 4, 2010 to 1.50 days in excess of the limited interest rate, agreed to receive annual repayment of the principal and interest of 19,500 won ( principal of 15,000 won) and received 450,000 won equivalent to 199.06% per annum from August 22, 2010 as stated in the attached crime list (1-number) such as receiving 450,000 won as interest rate per annum from April 23, 201 to October 25, 201, received 31,50,000 won in total from around 00 to 300,0000 won in total, and received 300,010,0000 won in total from around 200,010,01.

2. Any debt collector who violates the Act on the Fair Collection of Claims of Defendant B shall use words, letters, sound, image, or images by repeatedly or at night in connection with debt collection without any justifiable reason.