From 209 to 5 years, the Defendant was unable to obtain a loan from a financial institution due to the Defendant’s credit, due to the failure of the coal supply business, and was in mind to obtain a loan in the name of C by using the Defendant’s authorized certificate holding in the Defendant’s computer, while working together with D Co., Ltd. at D Co. on September 2013.

1. On March 11, 2014, the Defendant forged private documents, without C’s consent, entered “C” and “F” in the name column of the joint and several liability surety in the future ecid loan contract, the Defendant signed the document in the name of “C” and “C” in the resident registration number column.

Accordingly, the defendant has forged a joint and several guarantee contract in the name of C, which is a private document on rights and obligations.

2. At the same time and place as in the preceding paragraph, the Defendant: (a) sent the forged joint and several sureties contract form to the future ecurgy loan Co., Ltd., by facsimile, as if it was genuine.

3. Fraud;

A. On March 11, 2014, at the same place as the preceding paragraph, the Defendant submitted a forged joint and several surety contract and a written confirmation of the eligibility for health insurance in the name of C prepared in advance to the victim’s future C, Inc., by facsimile, and obtained a loan of KRW 5 million from the victim to the bank account in the name of the Defendant, and acquired it by deception.

B. On March 31, 2014, the Defendant: (a) had tried to make a year-end settlement by C; (b) had stored C’s authorized certificate on the Defendant’s computer; and (c) had C’s cell phone phone to obtain a loan under C’s name.

The defendant (State) has access to the Internet homepage of the victim (SBI2 Savings Bank to go through C's authorized certificate, and followed C's procedure for self-certification with C's mobile phone, and followed C's in-depth counselor.