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

(e).

On September 5, 2019, a person under whose name is not the victim’s name refers to telephone financial fraud, i.e., the so-called “singishing,” misrepresentation of a financial institution’s staff member, prosecutor, police, etc., who received money from the victim to an account in the name of the defendant and received money from the victim to be commercialized through the defendant, and misrepresenting the victim’s staff at a place where the location is unknown on or around September 5, 2019, and making a false call to “to lend KRW 20 million if a part of the loan is repaid because it is not good credit rating,” and he/she shall be transferred from the victim to the D Association account in the name of A (Account Number: E) at around 11:59 on the same day, he/she shall be transferred from the victim to the victim F, and shall be subject to an investigation by call, and “In order to be subject to a non-suspect decision, he/she shall deposit money to the employee at the name of the victim to the Financial Supervisory Service, and shall be transferred money from the victim under the same name A.

On April 2, 2019, the Defendant was subject to a disposition of non-prosecution of suspension of indictment for the violation of the Electronic Financial Transactions Act at the headquarters of the original District Prosecutors' Office, and the Defendant was aware of the fact that it was a typical method of scaming, creating transaction performance in the investigation process of the instant case, and it was well aware of that it was the typical method of scaming. However, on September 2, 2019, the Defendant misrepresented the H bank staff and sent text messages, and would make a loan after pretending credit rating to be created by repeating the transaction performance in the name of the Defendant’s account from the name unscamist who has repeatedly transmitted text messages to the Defendant’s account. The Defendant accepted it under the name of