Provided, That each of the above punishments shall be executed for two years from the date this judgment becomes final and conclusive.

The Defendants made a fake real estate lease contract as if the nominal owner of the loan, who has the credit rating available for the loan, and the lessor who owned national housing (limited to an exclusive use area of 85 square meters or less), did not enter into the so-called loan fraud group to arrange the loan, even though there was no real lease contract, to enter into the lease of the house owned by the lessor as if he entered into the contract in order for the borrower to move into the lease of the house as a whole. On the other hand, as if the applicant for the loan had been employed for a certain period of time, by deceiving the financial institution by receiving evidentiary documents of income, such as a certificate of temporary employment, and submitting it to the financial institution, and received the loan by deceiving the applicant for the loan,

1. According to the above public offering on May 5, 2010, the Defendant created a fake loan contract with a lessor A, lessee H, lease deposit 45 million won, contract term of 24 months with the broker F, which is a house owned by the Defendant, at the E Licensed Real Estate Agent Office of Songpa-gu Seoul Metropolitan Government (Seoul Metropolitan Government D 1113) through the broker F, who was aware of the circumstances. On the other hand, the Defendant received income supporting documents, such as a fake certificate of employment, which was written as if he had been employed in the I Company's business division for a certain period and had been regularly paid, and then received income supporting documents, such as a fake employment certificate, etc. from the I Company's 1365 branch in Jongno-gu Seoul Metropolitan Government on May 5, 2010, the Defendant applied for a loan of KRW 30 million in the name of the Defendant, 30 million in the name of the Defendant, and 30 million in the name of the Defendant.

Accordingly, the Defendant conspireds with the name-free boxes or H.