However, with respect to Defendant B, it shall be for 2 years from the date this judgment became final and conclusive.

Defendant

B as an actual owner of Seo-gu, Seo-gu, Incheon Metropolitan City 103 1904, 1904, prepared a false apartment lease contract from D, which is the cause of the former loan fraud group, and agreed to receive 15% of the loan. Defendant A agreed to prepare a false lease contract from E, which is the cause of the former loan fraud group, and to receive 30% of the loan in return for a request for a loan from a financial institution, and agreed to obtain 30% of the loan. The Defendants conspired to obtain a loan from a financial institution based on the false lease contract with D, E, etc., which is the former loan fraud group.

On February 14, 2014, at the G Licensed Real Estate Agent Office located in the Seo-gu Incheon Seo-gu, Incheon, the Defendants instructed her son H to prepare a false charter agreement on the lease of an apartment. The Defendants drafted a false lease agreement with respect to the above apartment owned by the Defendant B from March 1, 2014 to March 1, 2016, with the lessor, and Defendant A as lessee, with respect to the above apartment owned by the Defendant.

Since then, Defendant A, who is the nominal holder of loan loan from Defendant A, was bound to submit false documents, such as his employment certificate, bank transaction statement, health insurance eligibility acquisition certificate, payment statement, etc. from Defendant A, the nominal holder of loan loan, and Defendant A applied for the loan when submitting the above documents related to loan loan, such as a false lease contract, to the loan manager who is unable to know his name at the 85-ro, Seo-gu, Incheon, Seo-gu, Seo-gu, Incheon, Seo-gu branch of the victim bank.

However, the Defendants did not actually conclude the aforementioned lease contract, and there was no intention or ability to repay even if they were granted loans from the injured bank.

The Defendants, as such, deceiving the victimized bank and then, lend money from the victimized bank around February 28, 2015.