A. On August 19, 2014, the Defendant heard that the head of the Tong and cash card need to be made in order to obtain a loan from an unqualified person. On August 19, 2014, the Defendant opened an account (Account Number C; hereinafter “instant account”) in his/her name, and issued the passbook and cash card and sent it to an unqualified person.

B. The Defendant’s written application for the transaction that was prepared at the time when the passbook and cash card were opened and the passbook were issued includes a statement that “where the passbook and cash card are transferred to another person, they may be liable for damages, and may be punished by the Electronic Financial Transactions Act,” and the above statement contains a physical mark in the column “as described,” and the signature of the Defendant’s name is written next to that.

C. In addition, among the certificates of the purpose of financial transaction prepared at the time of opening the instant account, the column of the purpose of financial transaction is stated as “ordinary passbook(s)” by Defendant writing, and, as such, the fact that the bank received a request for lending of passbook from “a person,” and “a person,” received a request for opening the passbook for the purpose of credit rating, credit rating, loan, etc. from “a person,” not “each,” but “a person,” and written without a mold, sufficiently understanding the content of the original confirmation and without a framework.”

On August 20, 2014, the Plaintiff was called to the effect that “D was the fact that the Defendant used the passbook in the name of the Plaintiff from those who introduced himself as a criminal defendant and a prosecutor, and that “D should have access to the website of the said website and enter the information requested by the said website, such as the name and resident registration number, because he/she is required to confirm whether he/she conspired with the Plaintiff.”