However, the execution of the above punishment shall be suspended for three years from the date this judgment became final and conclusive.

The bearers are telephone financial fraud officers who acquire money by fraud under the tentative name "Sphishing" method by misrepresenting to an unspecified victims such as transfer or withdrawal of money from a low interest rate exchange loan, etc. by misrepresenting to a financial institution, etc.

On September 7, 2020, the Defendant: (a) received a proposal from the victims of the crime of telephone financial fraud, according to the instructions of the victims of the crime of telephone financial fraud, and (b) conspired with the telephone financial fraud assistance staff, including the one who did not receive the statement, in order, to act as the so-called “cash collection policy” to deliver the remainder of money excluding his/her share to another telephone financial fraud assistance staff.

1. In accordance with the above public offering on September 29, 2020, the Defendant: (a) stated in the title “Crewn, loan balance: D: 8,000,000 won; (b) date of redemption: September 29, 2020; (c) KRW 8,00,000; (d) the balance:0,000; and (d) the main text: 0,000 won; (c) the fact of the above transaction status between the Defendant and Eara Bank of Korea; and (d) the fact that “Arrewn is sent to the file through the Defendant’s mobile phone for the purpose of committing the crime of telephone financial fraud; and (d) the fact that the Defendant printed out the private document under the title “Crewn, loan balance: D: 8,00,000 won; and (d) the name and Eara Bank of Korea’s name and the official seal of the representative director of D.D.

Accordingly, the defendant, in collusion with the non-named telephone financial fraud assistance staff from October 8, 2020, conspired with the non-named telephone financial fraud assistance staff from the time to October 8, 2020, forged the certificate of financial transaction repayment in the name of the non-indicted D, which is a private document for the right, obligation, or certification of facts, five times in total, such as the attached list 1.

2. The act of fraud and the uttering of a falsified investigation document;