No person may transfer or acquire any means of access used in electronic financial transactions in using and managing such means.

1. On or around March 2018, the Defendant, such as a physical card connected to an enterprise bank account, delivered the e-mail card and security card (OTP) to the 'first lending brokerage' to the 'first lending brokerage', which was known to the Defendant in Incheon (hereinafter referred to as "first lending brokerage 'the first lending brokerage') and proposed that "if us will make a business registration under his/her name and make an account available for a loan, us will make an income certification and have an account available for a loan, us will make an account available for a loan.' On or around April 5, 2018, the e-mail card and security card (OTP) connected with the e-mail lending 200,0000,0000 won loan brokerage and 20,0000 won loan brokerage and 20,000 won loan brokerage and 40,000,0000 won loan brokerage and 20,000 won loan brokerage and 20,0000,000 won loan brokerage.

Accordingly, the Defendant transferred the means of access.

2. On April 20, 2018, the Defendant, such as the Cream Card, connected to the FF Bank Account, was transferred from a astronomical bus terminal located in the Dong-dong, Chungcheongnam-gu, Dong-gu.