1. The punishment against Defendant A shall be three years of imprisonment, a fine of twenty-five thousand won, and the punishment against Defendant B shall be two years of imprisonment.

Punishment of the crime

[criminal record] Defendant D was sentenced to a suspended sentence of three years on October 201, 201 to imprisonment with prison labor for a violation of the Customs Act in the Jeonju District Court’s Branch of Eup/Myeon on October 12, 201, and the said judgment became final and conclusive on October 20, 201.

Defendant A, from February 2010 to February 2012, 2012, had the final approval authority for the loan business as the former Saemaul Bank of Korea (hereinafter “instant credit cooperative”) located in the area of the former North Korea, and was in office as the president of the instant credit cooperative from March 2012 to January 2014.

Defendant

B was in office as the head of the department in charge of credit of the instant credit cooperative from around 2003 to October 2010. Defendant C was in office as the head of the division in charge of credit of the instant credit cooperative from around 201, 2010 to December 2, 2013. Defendant E is in office as the head of the instant credit cooperative from around March 2, 2012.

As above, Defendant A, B, C, and E are those who have been engaged in the business of lending the instant safe.

1. Loans granted to the same person by Defendant A and B cannot exceed the larger amount between 20/10 of the total amount of investments and reserve funds, or 1/100 of the total assets. The instant safe may not be extended to the same person in excess of KRW 46,069,773,444, as of December 31, 2010, since the total assets of the instant safe are KRW 46,069,773,444, the amount of total assets equivalent to 1/100 of the total assets as of December 31, 2010.

In addition, the instant credit cooperative, according to the resolution of the board of directors, was determined by the resolution of the board of directors to receive an appraisal by an external institution with respect to a secured loan exceeding KRW 200 million by July 16, 2010.

Nevertheless, at the instant safe around May 2010, the Defendants conspired to divide D’s land into several parcels, which is the actual owner, and made D divide into several parcels, so that each owner of the land differs, and then each owner of the land is KRW 200 million.