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. The Defendant, without being registered with the competent authority, lent KRW 10 million to B from the insular area below Osan to the debtor and received interest rate of KRW 3% per month until the principal is repaid. On February 3, 2009, the Defendant lent KRW 3 million to the debtor and agreed to receive interest rate of KRW 3% per month until the principal is repaid, and operated a non-registered credit business by lending KRW 5 million to the debtor and receiving interest rate of KRW 5 million until the principal is repaid (the annual interest rate of KRW 36%) on October 15, 2009, and was in violation of the restriction on the interest rate.

2. The Defendant, without registering with the competent authorities, lent KRW 5 million to the obligor C from the insular area below Osan to the obligor around 2008, to receive interest of KRW 2% per month until the principal is repaid. Around July 20, 2010, the Defendant lent KRW 1.5 million to the obligor, and had the obligor run a non-registered credit business with interest of KRW 2% per month until the principal is repaid.

3. The Defendant, without being registered with the competent authority, lent 9.5 million won to the debtor D on March 16, 201, to receive interest rate of 3% per month until the principal is repaid (the annual interest rate of 36%), borrowed 20 million won on January 2012, to receive interest rate of 3% per month until the principal is repaid (the annual interest rate of 36%), and to receive interest rate of 9.7 million won around February 29, 2012, and to receive interest rate of 3% per month until the principal is repaid (the annual interest rate of 36%).

4. The Defendant, without registering with the competent authority, lent KRW 10 million to E by the debtor on June 9, 201, and received interest at 1% per month until the principal is repaid. Around July 30, 201, the Defendant lent KRW 10 million to E and had the debtor receive interest at 2% per month until the principal is repaid. The Defendant run a credit business without registration by having the debtor receive interest at 2% per month until the principal is repaid.

5. On December 8, 2012, the Defendant, without registering with the competent authorities, lent 7 million won to the debtor F, from the luxal land below Osan to the debtor F, and had the debtor F run a credit business without registration, with the interest of 2% per month until the principal is repaid.