After the Defendant constructed a loan under the name of another person, the joint and several guarantors needed to borrow money in the name of the same person, and the Defendant thought that he would receive the loan by forging the joint and several guarantee under the name of the victims of the wife and the wife.

1. On June 1, 1996, the Defendant borrowed KRW 18 million from the Incheon Fisheries Cooperative Accounting Division in the name of Gyeyang-gu, Incheon, Gyeyang-gu, Incheon. The Defendant, without authority, signed and sealed C and D as a joint guarantor in the column of the guarantor of the monetary consumption loan agreement, signed and sealed C and D as a joint guarantor, and forged one copy of the joint guarantee letter of the monetary consumption loan agreement in the name of C and D, and submitted it to E, who is an employee in charge of the genuine and genuine work of completing the forged joint and several guarantee certificate as above, and the affiliated money was acquired by borrowing KRW 18 million from the Incheon Fisheries Cooperative Calculation Division on June 13, 1996 for the purpose of exercising the right.

2. In the case of a paper for a certificate of personal seal impression held in the Dong Office of the sub-lime of the Nam-gu Incheon Metropolitan City, the defendant 1 stated "A", "F", "F", "B", "B", "B", "B", "B", "B", and "Y" in the State column in the name of "B", "B", "B", and "Y" in the State column, and the name of "D", if the paper for a certificate of personal seal impression held in that area without authority for the purpose of exercising.

D’s seal imprint also forged ten copies of delegation in the above name, which is a private document on the rights and obligations, and submitted the forged letter of delegation 10 to the public official in charge of false name and exercised it.

3. When Defendant 1 borrowed KRW 18 million in the above calculation branch, J, the Defendant, K, L, and M in the name of the J, K, L, and M, Defendant 1, without authority, signed and sealed D in each column of the guarantor of the monetary consumption and lending agreement and signed and sealed D as joint guarantor for the purpose of exercising his/her authority, and forged one copy of the joint guarantee letter of the monetary consumption and lending agreement in the name of D.