A. 1) On February 20, 2014, the Plaintiff: (a) between D Association and D Association, the policyholder and the insured; (b) the total amount of insurance coverage of KRW 11,620,00,000; and (c) the insurance period from February 20, 2014 to February 20, 2015; and (d) the number of employees of D Association, including the Defendant, including the Defendant, as 128 (hereinafter “instant insurance contract”).

(2) According to the general terms and conditions of the above insurance contract, the Plaintiff is obligated to compensate the insured for a direct loss of property (including any loss caused by the insured’s liability for damages under the law due to the above reasons) by engaging in theft, robbery, fraud, embezzlement, or breach of trust on behalf of the insured (including an organization or institution annexed to the insured) employed by the principal, or by taking advantage of his/her position and position during the insurance period. However, the act of fraud, embezzlement, or breach of trust is limited to cases where there is a court’s decision, except where it is inevitable to obtain a court’s decision.

B. 1) On March 9, 2016, the Defendant was indicted as the facts charged against the violation of the Act on the Aggravated Punishment, etc. of Specific Economic Crimes (water, etc.) and was sentenced to a fine of KRW 50 million on May 4, 2016 (including KRW 2016 Gohap14, KRW 2016 Gohap18, KRW 2016 Gohap18, and KRW 2016 Gohap21, KRW 201 (combined) (Separation). E purchases a large number of real estate without any special occupation without real estate and obtains a loan. The Defendant is a person who is in charge of loan brokerage as a loan broker, and the Defendant is a person who is in charge of loan business from around May 2011 to the D branch office as the agent of the Association.

G or H is a person engaged in the unregistered real estate brokerage business, I is a person working as a certified judicial scrivener office, and the J has no special occupation.