2.Provided, That the execution of the above sentence shall be suspended for one year from the date this judgment becomes final and conclusive;

Since the Defendant was registered as a person with bad credit standing and was unable to issue a credit card under the name of the Defendant, while using a new card in the name of B and a passbook in the name of B with the consent of the Defendant and using a passbook in the name of B and a passbook in the name of the National Bank, the Defendant was able to arbitrarily use the card in the name

1. Fraud - The Defendant, on May 2, 2008, obtained a new card in B’s name from the victim and acquired it from the victim on May 7, 2008, by telephone to an employee in distress who works for the new card customer service team of the new bank that is the victim, and by suggesting B’s resident registration number, etc. in his/her name.

2. Fraud - On April 3, 2011, the Defendant, such as the price of goods at a franchise store, received goods or services equivalent to KRW 4,00,50 from all victims and acquired them by receiving goods or services equivalent to KRW 4,00,03,50 from the victims through the above 33-time means, as shown in attached Table 1, by presenting a new card issued in the name of the above restaurant operator in the name of the victim, as shown in the preceding paragraph, to the above restaurant operator, who was the victim.

3. Computer, etc. user fraud - The defendant of credit loan through ARS telephone service entered the resident registration number B in order to obtain credit loans by telephone from a new card call center (D) in an unspecified place on August 13, 2010, and 590,000 won was remitted from the victim to the national bank account (E) in the name of B on the same day as shown in attached Table 2 of the List of Crimes, as shown in the attached Table 2, by November 16, 201, in order to obtain credit loans by telephone from a new card call center (E) in an unspecified place. < Amended by Presidential Decree No. 23483, Nov. 16, 2011; Presidential Decree No. 2505, Oct. 5