1. On July 2017, at the Defendant’s office located in the fourth floor of the Seo-gu Daejeon District Office, Daejeon, the Defendant made a false statement to the effect that “The Victim AW had been released from AK with respect to savings insurance VIP special products, and paid 9% interest per annum. It is a five-year contract term, and is guaranteed by interest even if one-year contract is only one-year.”

However, even if the Defendant received the money from the victim, he was planned to use the money for personal purposes such as repayment of existing debts, so that the Defendant did not have any intention or ability to purchase insurance.

The Defendant received KRW 20 million from the victim’s account in the name of the Defendant (AX), KRW 20 million on October 25, 2017, and KRW 20 million on July 31, 2018.

In this respect, the Defendant acquired pecuniary benefits by deceiving the victim.

2. Upon receiving a request from AW to verify whether the Defendant had subscribed to the savings insurance product described in paragraph (1) of the above Article, the Defendant in charge of forging a private document or uttering a falsified insurance policy in order to pretend that AW did not have subscribed to the said savings insurance product. A)

On April 8, 2019, the Defendant, using a computer for the purpose of exercising at the place specified in paragraph (1) at the location of paragraph (1), carried out a copy of the output as follows: “AY” in the contract number column; “AZ” in the product code column; “AZ” in the contract date column; “AW and BA” in the contractor column; and had already been issued to another customer; and entered the content of the output on the “insurance Policy” bearing the seal of the representative director of the AK company.

Accordingly, for the purpose of uttering, the Defendant forged a letter of insurance policy in the name of AK corporation, a private document on rights and obligations.

B. The defendant 2-A

at the date, time, and place described in paragraph A above, to AW who is not aware of the forgery.

The insurance policy, as described in the paragraph, has been forged.