Since the Defendant was in bad credit standing due to the Defendant’s failure to repay debts, such as credit card bills, it was difficult to obtain opening or lending of a mobile phone in the name of the Defendant, and despite the Defendant’s aggravation of the operating status of the Defendant’s workplace, even if he did not have the intent or ability to repay the loan, the Defendant used a copy of the resident registration certificate of B, which is his wife, to arbitrarily open the mobile phone in the name of the Defendant’s name, and then use B as the guarantor, to receive the loan under the name of B, or to use it as office expenses and living expenses.

1. On May 2, 2013, at around May 2, 2013, the Defendant: (a) entered “B” and “D” in the applicant’s name column for a new service contract for the purpose of opening a mobile phone at the window store in Changwon-si; (b) signed the applicant’s signature column at his/her discretion on the applicant’s signature column to forge a new service contract in the name of private document on rights and obligations; and (c) issued the forged service contract to the said sales store employees who did not know of the forgery at that time as above, as if the document was duly formed.

2. On May 3, 2013, the forgery of a private document, the event of the foregoing investigation document, and the fraud accused, at the F office in the counter E in Changwon-si around May 3, 2013, in order to use B as a guarantor in obtaining a loan in the name of G, the Defendant’s seat, stated “B”, “D”, and “B,” and “B,” and “B,00,000 won,00 won,00” in the column for the guarantor of the H lending transaction contract, and signed the name in the guarantor’s signature, and forged one copy of the lending transaction contract in the name of private document, which is a private document on rights and obligations, at will, at that time.