D. When making a false statement that deposits will be made for a certain period of time with a loan, the role of the victims by deceiving many unspecified persons by telephone and deceiving them to receive money under the name of deposit, etc. E shall prepare criminal tools such as Bophishing center offices and telephonephones according to D's instructions, connect the first call center with the second call center, exchange the contact with the first call center, settle the criminal proceeds, F shall manage the first call center and distribute the funds from the victims such as the Defendant and the first call center to receive criminal proceeds from D, and if the funds from the first call center are not transferred to the victims, the victims shall be managed as the first call center leader and the counselors, and the members of the 2nd call center shall not be informed of the funds such as loan funds, personal information, resident registration number, and contributory portion of the funds from the funds borrowed to the second call center for a certain period of time after obtaining a loan from the victims to the second call center.