The Defendant’s part in the telephone financing fraud organization, despite the absence of the intention and ability to open a low-income national bank Maspbook from the beginning by making phone calls to many unspecified victims at Thailand, was used for the most transaction to enhance the credit rating by taking loans from the banks at low credit rating or by taking loans from the banks at low interest rate in the second financial rights, etc., and was used for the most transaction to establish a low-income national bank Maspbook under the pretext of using it for the most transaction to enhance the credit rating in the second financial rights, and then was used as the “mulpbook” necessary for the crime of Bospishing. For a person with high credit rating, a person assumes the role of each national bank’s name and employee to share his/her own name with the Maspbook staff and the number, etc. prepared as above after inducing loans from other financial companies, such as low-income loans and conversion loans.

The Defendant, together with C, D, E, F, H, G, H, J, K, L, M, P, Q, Q, R, Q, S, T, U,V, W, X, and name in mind, shared the names and roles of the employees of the National Bank who will misrepresentation as above. On July 17, 2013, the Defendant left Korea and Thailand until the date of entry into Korea at the end of January 22, 2015, and asked the victims who acquired personal information DB to open a mobile phone call number by asking the victims of the instant situation to “the victims who wish to open a mobile phone call number” during the said period of stay to the victims who had acquired the personal information DB, such as Nowonbuk-do 10, commercial telephone call 13-4, Internet abandonment, etc.