1. No person who violates the Electronic Financial Transactions Act shall transfer or acquire a password necessary for using the cash card or cash card which is a medium access to electronic financial transactions, or a user number, etc. registered with a financial institution or an electronic financial institution, or establish a pledge thereon;

Nevertheless, around January 20, 2013, the Defendant issued a bank deposit account in the name of the Defendant (C), agricultural bank deposit account (D), new bank deposit account (E), a deposit account in the national bank (E), a passbook, cash card, and a security card to the name G, respectively, in the vicinity of the master bank located in the public interest.

On February 26, 2013, the Defendant continued to deliver a passbook, cash card, and security card to the name G at the same place as CT Bank deposit account (H), ET Bank deposit account (I), and Echeon Credit Union deposit account (I), respectively.

Accordingly, the Defendant transferred each of the access media for electronic financial transactions.

2. On January 2013, 2013, the Defendant: (a) one person G and the Defendant, who was aware of the Internet loan advertisement, received a loan from the seller in the name of the Defendant, and paid the down payment to the seller; and (b) conspired to obtain the loan by filing an application for a loan with a financial institution, along with a false employment certificate, etc.

On February 25, 2013, the Defendant applied for the application for the purchase of the J building 204 in Suwon-si's non-real estate office located in Suwon-si, Suwon-si. On February 25, 2013, the Defendant received the Defendant's certificate of "the annual test of the corporation" and the receipt for tax withholding for wage and salary income as to the Defendant necessary for the loan from Suwon-si in the vicinity of Suwon-si, Ansan-si.

On February 26, 2013, the Defendant submitted the above certificate of employment, the receipt of tax withholding for wage and salary income, etc. at the victim Lcredit Union office located in Suwon-si K, Suwon-si, and at the victim's employees M. applying for a housing purchase loan to the victim's employees.

However, the facts are as follows. The Defendant is a “stock company’s annual test.”