1. Fraud on the pretext of a mutual savings bank;

A. The so-called "successful bidder" method does not set out in advance an advance payment, an advance payment to be received, and an amount calculated by deducting the interest rate from the total amount of the pre-successful bidder's total amount of the pre-successful bidder's deposits from the pre-successful bidder's successful bidder's successful bidder's successful bidder's successful bidder's successful bidder's successful bidder's successful bidder's successful bidder's successful bidder's successful bidder's successful bidder's successful bidder's successful bidder's successful bidder's successful bidder's successful bidder's successful bidder's successful bidder's deposit into the bank account of the system.

However, the guidance and the last guidance shall be awarded the full amount of the guidance automatically on the one-time time term and the last time term term of the guidance.

B. Criminal facts: (a) while operating the successful bid system for more than 30 years for neighbors located in Seongdong-gu Seoul Metropolitan Government, the Defendant abused that some of the members in around 2010 and around 2011 did not pay a total amount of KRW 20 million after being awarded a successful tender; and (b) in order to continue to operate the successful bid system, they do not confirm the operating status entirely due to the long trust relationship between the members in the field of fraternity and do so; (c) by creating a new successful bid system in which many members are enrolled in the name of the Defendant and their family members; and (d) operating the successful bid system in such a way as to make the pre-existing successful bid to pay a total amount to the members of the pre-existing successful bid by giving priority to the successful bid; and (e) by arbitrarily raising the interest rate of the Defendant’s share in advance without paying or paying a total amount to the members of the pre-existing successful bid.

The Defendant, in Seongdong-gu Seoul on January 1, 2015, recommended the victim C to join the bid for the 50 old unit and approved the 2 old unit joining the 50 unit, and received the payment of KRW 400,000 won per month from February 1, 2015 to September 2017, as shown in the list of crimes in the attached Table from around that time to September 2017.