The participatory telephone financing fraud organization of the Defendants, despite the absence of the intent and ability to open a low-income national bank Maspbook from the beginning by making phone calls to many unspecified victims at Thailand, was used for the most transaction to enhance the credit rating by taking loans from the banks at low credit rating or by taking loans from the banks at low interest rate in the second financial rights, etc., and was used for the most transaction to establish a low-income national bank Maspbook under the pretext of using it in the first transaction to enhance the credit rating by sprinking, password, account number, etc., and then used it as the "large-income passbook" necessary for the crime of Bospishing. For a person with high credit rating, it was assumed that it was the name and the employee and the employee and the member of the National Bank of Korea who should share the name and the member and the member and the member and the member of the National Bank of Bospbook who will receive the loans at low interest loans and transitioned to other financial companies.

The Defendants, together with F, G, H, I, K, K, L, M, M, N, P, Q, Q, S, T, U,V, W, X,Y, and name in mind, shared the names and roles of the employees of the National Bank to misrepresentation as above. On April 4, 2015, the Defendants left Korea and Thailand until they entered Korea and entered Korea at the end on June 8, 2015, and, during the period of the said Thailand’s sojourn, after asking the victims of personal information acquired in advance by the staff members of the National Bank of Korea, using the cell phone call number of the victims, including, but not limited to, Not North Korea 10 telephone call, 13-4 mobile phone call number, and Internet abandonment call number of the victims of the instant Thailand, and asked the victims of the mobile phone call number of the victims of the instant disaster to set up a mobile phone call number of the victims of the instant disaster.