However, each of the above penalties shall be executed for a period of two years from the date this judgment becomes final and conclusive.

【Public offering-related Defendants: (a) applied for an illegal loan to a credit cooperative or credit cooperative, etc. where the examination of loan documents is relatively difficult; and (b) as a result, E purchases a leased house in the form of a lease on a deposit basis; (c) communicate with K, who is an employee of the Credit Cooperative for the Victims (hereinafter “victim Credit Union”); and (d) recruit the leased house as a lessor or lessee of the purchased real estate; and (c) each lessee including L, M, N, etc., including the Defendant, purchased the house in the name of the lessor or lessee; (d) written a false loan contract with the lessor and lessee; and (e) prepare an application for a loan on a deposit basis; and (e) prepare a false loan contract with the president, who is an employee of the Credit Cooperative for the Victims Credit Union; and (e) prepare a new loan agreement with the president, who is an employee in charge of the victim’s loan; and (e) prepare a new loan agreement with the president in order to obtain approval.

[Specific criminal facts] Defendant B, upon the above public offering, visited the victim new-affiliated office located in Eunpyeong-gu Seoul Metropolitan Government around March 24, 2015 and applied for a loan equivalent to 18 million won, and concluded a normal lease contract as if the lease contract was concluded, Defendant B submitted to the employee in charge of loan for multi-household house, which is comprised of lessor “A”, lessee “B”, leased object “Seoul Eunpyeong-gu Q Q Q 301,” and deposit “one hundred million won,” and Defendant A visited the victim’s new-affiliated office on the same day and completed the contract.