However, the execution of the above sentence shall be suspended for a period of two years from the date this judgment becomes final and conclusive.

After opening a deposit account in the name of C by using the resident registration certificate of C, the Defendant, who is a woman, submitted to D, a copy of the resident registration certificate of C, a copy of the resident registration card of C, a copy of the passbook transaction with the National Bank, a certificate of acquisition and loss of health insurance qualification, etc. to the loan brokerage company, and

Using C's credit card numbers and passwords, the credit card company completed the credit card certification through the credit card certification and used the loan from the lending company to pay the debt.

1. On October 7, 2016, the Defendant: (a) applied for the opening of a deposit account in the name C at the Dong post office of the Incheon, Nam-gu Incheon, Nam-gu, Incheon; (b) entered the name column of the site for filing an application in C; and (c) signed the signature in the signature column.

Accordingly, for the purpose of uttering, the Defendant forged the application form in C name, which is a private document on rights and obligations.

2. The Defendant exercised the aforementioned investigation document as if he were a document duly formed by the aforementioned post office employee who was aware of the forgery at the above time and place.

3. Fraud;

A. On October 10, 2016, the Defendant used a mobile phone in Yeonsu-gu Incheon Metropolitan City, Dong-do, where the Defendant applied for a loan by using the name of Yeonsu-gu, Incheon. However, as seen above, as if C applied for a direct loan, the Defendant deceivings employees in charge of lending the Smart Savings Bank, a victim company, such as conducting a credit card certification, etc., and thereby deceiving them, and such deceivings the employees of the company in charge of lending the Smart Savings Bank, and was remitted to the above post office in the name of C as above on the same day after concluding a credit transaction agreement with the victimized company to pay the principal and interest on the credit amount of KRW 20 million, annual interest rate of KRW 18.9%, October 16, 2021, and the expiration date of the credit was October 25, 2021.

B. The Defendant’s mobile phone at the place indicated in the foregoing paragraph (a) around October 10, 2016.