1. In the case of a credit loan handled by a savings bank and a lending company, the Defendant: (a) obtained a loan from a financial institution using the fact that the credit rating is lower than that of other loans; or (b) obtained a loan from a financial institution due to the lack of other assets; and (c) obtained a loan from a financial institution by forging various documents necessary for the loan; (b) obtained a loan from the lending applicant under the name of the lending applicant; and (c) obtained a loan applicant’s name in a manner of forging documents; (d) the Defendant requested the lending applicant to forge, who is a forged document; and (e) instructed the lending applicant to use the document forgery; and (e) receive confirmation phone as if the lending applicant works for the lending company; and (e) obtained a confirmation phone as if the lending applicant works for the lending company, C will take charge of forging the relevant documents, such as a certificate of employment and a statement of details of the loan transaction; and (e) made a public offering by dividing the loan applicant’s loan applicant into C, etc. according to the above role.

According to the above public offering, the Defendant recruited D and asked C to forge documents as if D were in office in the company, and C, as if D did not have any occupation, forged E’s certificate of employment in the name of E and the statement of transaction details in the Nong Bank account in D’s name as if C were paid a certain amount of wages each month.

Since then, D applied for a loan to the Smart Savings Bank on April 28, 2015, along with the Defendant, along with a forged employment certificate and transaction details.