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

On or around January 18, 2019, the Defendant lent one physical card linked to B bank and C bank account under the name of the Defendant, and was investigated by the police officer of the Seoul District Police Agency Intelligent Criminal Investigation Team around April 9, 2019, and was sentenced to a fine of three million won for the above criminal facts from the Changwon District Court Msan Branch around June 11, 2019. On April 2019, the Defendant was sentenced to a fine of three million won for the above criminal facts. On or around October 24, 2019, the Defendant notified the name-oriented passenger of the Defendant’s account number to the non-indicted in the name of the Defendant and released the fraudulent amount deposited into the said account to the non-indicted in the name of the Defendant, and received an investigation from the public prosecutor of the competent District Public Prosecutor’s Office at Changwon District Court on October 15, 2019, and received the notification of the means of access to the name of the victim and received the notification of the fraud.

1. No person who violates the Electronic Financial Transactions Act may, in using and managing the means of access, lend the means of access while requesting or promising to receive any consideration, unless otherwise specifically provided for in any other Act;

Nevertheless, on December 12, 2019, the Defendant listened to the phrase “to obtain a loan from a person without his/her name (E agency)”, and sent a physical card connected to the DNA bank account (H) in the name of the Defendant before the G cafeteria located in J in Jin-si, Jin-si on the same day, the Defendant sent one physical card to his/her name, using Kwikset Service.

As a result, the Defendant promised to provide a means of access in return for an intangible expected profit to receive future loans, and lent it to a person who is named in bad faith.

2. On December 12, 2019, the Defendant was aware that the means of access, as described in the foregoing premise, may be used for the commission of the commission of the commission of the commission of the commission of the commission of the commission of the commission of the commission of the commission of the commission of the commission of the commission of the commission of the commission of the commission of the commission of the commission of the commission of the commission of the commission of the commission of the commission of the commission of the commission