However, for the defendant A, it shall be for two years from the date this judgment becomes final and conclusive.

Defendant

B is responsible for the role of a false tenant in obtaining a loan for a lease on a deposit basis by using a false certificate of employment, false lease contract, etc., Defendant A shared the role of a false lessor that takes charge of preparing a lease contract with Defendant B, and the Defendants conspired to obtain a loan for a lease on a deposit basis by obtaining a false loan for a lease on a deposit basis with Defendant B.

Accordingly, on December 10, 2014, at the office of “G Licensed Real Estate Agent” located in the Nam-gu Incheon Metropolitan City, Incheon, Defendant A completed a false lease contract with Defendant B as if he/she actually entered into a lease contract, and Defendant B transferred to B a false lease contract with Defendant B. At that time, Defendant B transferred to Defendant B a false employment certificate under the name of JJ, the certificate of income tax withholding, and the false lease contract.

Defendant

B applied for a loan of the National Housing Fund of KRW 70,00,000 to an employee in charge of loan from the National Housing Fund at the K Branch of the Victim Bank located in Incheon in the middle of December 2014, 201, and the fact was that there was no intention to rent a house in accordance with the terms of the above lease contract, and that there was no intention to work in I, but there was no intention to work in I, and when acting as if he were to use the loan as a lease deposit, the National Housing Fund loan application accompanied by a false lease contract, employment-related documents,

Accordingly, the Defendants, in collusion with E, etc., received loans from employees of the victimized bank in the amount of KRW 70,000,000 from workers in the amount of KRW 70,000 on December 19, 204 from the Defendant’s account in the name of the Defendant.

Summary of Evidence

1. Defendants’ respective legal statements

1. Each of the Defendants’ names.