2.Provided, That this judgment shall not apply.

[Public offering relationship] The Defendants applied for a loan of illegal loan to a new cooperative or credit cooperative, etc. where the examination of loan documents is relatively difficult compared to real estate business entities and loan brokers, and divided the loan. Accordingly, the Defendants are in charge of purchasing the leased house in the form of a lease on the condition that they take over the obligation of deposit money, and preparing a false lease contract through Dong F. G, H, and I contact with K who is an employee of the Credit Cooperative of the Victim JJ (hereinafter “JJ”) and take charge of loan-related affairs. L, M, N, etc. are recruited as a lessor or lessee of the purchased real estate, and each lender including the Defendant is in charge of purchasing the leased house in the name of the lessor or lessee of the purchased real estate, despite the existence of the lessee who entered into the existing lease contract with the lessor and lessee of the above house, and then, E applied for a loan of the lease on the basis thereof, and obtain the loan from the president of the JJ and the employees of the NA who were in charge of consultation with the loan company.

[Detailed Criminal Facts]

1. Defendant A and Defendant B, according to the above public offering, visited the JJ office in Eunpyeong-gu Seoul around July 21, 2015 and applied for a loan equivalent to KRW 125 million, and concluded a normal lease contract, Defendant B submitted to the lessor “A, lessee “B,” leased object “Seoul Metropolitan Government Qu No. 502,” and “one hundred million million million million,” and Defendant A visited the said JJ office at around that time. The lessor is the normal lessor of the said multi-household house.