1. Forgery of private documents and the uttering of a falsified investigation document;

A. On June 10, 2010, the Defendant issued a credit card in the name of C, the husband of the Defendant, and entered the “C” on the applicant’s name column of the “application for membership of a new personal card member” in Korea or the cosmetic office located in Samyang-si, Samdong-si, and submitted the said “application for membership of a new personal card member” to the employees of the said cosmetic office, who are aware of the forgery through the cosmetic office.

Accordingly, for the purpose of uttering, the Defendant forged one copy of “an application for membership in a new personal card” in the name of “A”, which is a private document on rights and obligations, and used a forged private document.

B. On January 26, 2015, the Defendant: (a) stated “C” in the joint and several surety name column, which was prepared for borrowing KRW 5 million from the above E, and then affixed C’s seal on the name of the joint and several surety name; and (b) stated E, who may know the forgery, completed the “certificate of borrowing” as a document genuine.

Accordingly, for the purpose of uttering, the Defendant forged “a letter of borrowed money” in the name of C, which is a private document on rights and obligations, and used a forged private document.

2. Fraud;

A. On June 28, 2010, the Defendant: (a) purchased cosmetics at Korea or the cosmetic branch office of Gangseo-gu, Gangseo-gu, 2010; (b) submitted a new card under the name of C, which was illegally issued, as described in paragraph (a) to pay 300,000 won and received cosmetics from the injured party; and (c) paid a total of 299 times from June 24, 2010 to April 9, 2015, the Defendant paid a total of 60,850,230 won, including the previous card under the name of C, which was issued unlawfully as described in paragraph (1).