2. Where the defendant does not pay a fine, 100,000 won.

1. On November 1, 201, the Defendant: (a) sent a loan transaction contract from the victim Escco World Loan Co., Ltd. and the victim Escco World Bank Loan Co., Ltd. by facsimile in a non-displacement in the Macheon-si Line on November 1, 2011; and (b) forged two copies of the loan transaction contract under the name of B, a private document on rights and obligations, signed at will, stating B’s name, resident registration number, address, and telephone number, in each contract’s joint and several sureties column.

In addition, at that time, the Defendant sent a copy of the forged loan transaction contract and B’s resident registration certificate in advance to the employees of each of the above lending companies under the name of the forgery, and exercised the forged loan transaction contract as if it was a document duly formed.

On the other hand, the Defendant, by deceiving each of the above lending companies, the victim, by the above method, received 4 million won from the victim's Escamba loan, and 5 million won from the victim's Escamba loan, and acquired each of them by fraud.

2. On January 18, 2012, the Defendant, at the same place as the preceding paragraph, sent a loan transaction contract by facsimile from the victim Asian Savings Bank (former Savings Bank as one of the Gu), and entered in the column for joint and several sureties in the column for the letter of assignment of claims, confirmation of loan agreement, provision of personal credit information, and consent for use and investigation of the loan transaction contract, and the opening of the interest payment account and the withdrawal transfer agreement, respectively, and forged one copy of the loan transaction contract in the name of private document B as to rights and obligations.

In addition, the Defendant, together with a copy of B’s resident registration certificate that he had in possession of the forged loan transaction contract as above, shall transmit the forged loan transaction contract by facsimile to the employees of the above lending company who are unaware of the forgery.