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

On October 16, 2013, the Defendant: (a) made a false statement to the victim C, who was working as a credit consultant of the Bank by telephone at the Defendant’s home located in the Daegu-gu Office of Franchising, Daegu-gu; (b) on October 16, 2013, the Defendant: (c) caused the victim to obtain a loan from a financial institution in lieu of the principal and interest of the loan borrowed by D, etc.; and (d) paid the principal and interest of the loan borrowed by D, etc. in lieu of D’s loan from the financial institution, etc.; and (d) caused the victim to acquire the amount of KRW 14,353,388 from the Internet banking bank; (d) KRW 1,724,988 from the HK Savings Bank; and (e) KRW 6,879,908,586,319,4742,463,286,287,286,000 property interest by subrogation.

In fact, the Defendant was unable to lend a financial institution under the name of the Defendant as of October 2013. The personal debt amounting to KRW 40 million. The Defendant reported the Internet advertisement of the victim, who is a CTT Bank lending counselor, during the search on the Internet around October 1, 2013, and confirmed whether it is possible to lend a loan by phoneing to the victim around October 201, 2013. On October 2013, 2013, it is impossible to lend a loan in the name of the Defendant under the name of the Defendant, and it is possible to lend a loan from the second financial right under the name of D, which is the Defendant’s wife. The method consists of the existing loan amount of KRW 15 million if it is possible to additionally lend a loan equivalent to KRW 30 million to KRW 15 million,000,000,000,0000,000,0000,000 won, which is a new deposit account of D. 16.20.3.16.