474,000,000 won shall be additionally collected from the defendant.

The U.S. financial institution operates a loan product called HEOC (HEOC) only with the receipt of documents related to the loan application and confirmation of the intention of additional loan by telephone when a member who has subscribed to a house-backed loan product wants to obtain additional loan. The above HEOC loan product has a institutional defect that can easily cause fraud by means of the change of name and personal identification number when the personal information of a financial institution is leaked.

In the U.S., Magrias abuse these defects and arbitrarily borrow money from the holders of HELOC lending the form of trade payment to the Korean account, and the F, in collusion with the Magria in Korea at least since 2010, has been remitted to Korea and has received the fees.

1. The Defendant: (a) at the 2nd floor coffee shop near the Yansan-dong, Busan, Seosan-dong, Busan; (b) around the end of November 2010, the Defendant called “to ensure that the investigation into G, a provider of the receipt of the HEOC fraud, is completed easily because there are many people who know at the prosecution, the police, etc.; and (c) received KRW 25 million from H through H (No. 1) around that time; and (d) around the end of November 2012, the Defendant left the 2nd floor coffee shop near the Yansan-dong, Busan, Seosan-dong, Seosan-dong, Busan, and stayed in the Philippines on October 26, 2012, and was staying there.

F It means that “I will end up the case of HELOC money exchange account upon request by investigative agencies, etc.” by means of international telephone, and that J received KRW 70 million in cash upon request by the F.

In addition, until February 18, 2014, the Defendant stated that “the Defendant would end the instant case by requesting investigation agencies or court officials to do so” over 12 times, such as the list Nos. 2, 4 through 7, 9 through 12, 14, 15, and 16 in the annexed crime list Nos. 2, 14, 449.