However, the execution of the above sentence shall be suspended for a period of two years from the date this judgment becomes final and conclusive.

No person shall borrow or lend, keep, deliver or distribute any access medium while receiving, demanding or promising any consideration in using or managing the access medium.

Nevertheless, on February 6, 2018, the Defendant was called to the effect that “if he send a e-mail card, he will execute the loan by accumulating the transaction performance,” and received the loan by accumulating the transaction performance as above. On February 7, 2018, the Defendant sent the e-mail card connected to the Defendant’s name Saemaul Depository Account (B) at the post office located in the original city, a post office registered by mail.

Accordingly, the Defendant promised to receive intangible expected profit from future loans by raising credit rating through the details of deposit and withdrawal transactions, and lent an access medium.

Summary of Evidence

1. Statement by the defendant in court;

1. Application of the police statement protocol law to C

1. Article 49 (4) 2 and Article 6 (3) 2 of the Act on Electronic Financial Transactions for the crime;

1. Article 62(1) of the Suspension of Execution of the Criminal Act (the crime of this case is committed in light of the method and result, etc., and there are circumstances unfavorable to the defendant, such as the nature and circumstances of the crime and the crime committed, but there is no criminal conviction against the defendant, and the defendant has a depth of his mistake, and other circumstances, such as the motive and circumstances of the crime of this case, the circumstances after the crime, the age of the defendant, occupation, family relation, health status, etc., are taken into account);