After the Defendant became aware of the so-called “work loan” business operator who received a loan from a financial institution by forging documents, etc. through online site search, the Defendant conspiredd with C, D, and E, the above business operator, and the Defendant, even though the Defendant did not have concluded a lease contract on the apartment owned by F, concluded the lease contract on the above apartment, and made the lease deposit to obtain a loan from a financial institution by forging the lease contract on the apartment, etc. as if the lease deposit was paid.

1. On August 8, 2013, the Defendant: (a) conspired with C, D, E, etc., and entered the H Licensed Real Estate Agent Office at the G merchant shop at the window at Changwon-si, Changwon-si; (b) as if the Defendant was a lessee, the Defendant was the lessee; and (c) as if the lessor were the lessor, D entered into the indication of the real estate on the apartment lease agreement; (b) stated in the indication column of the real estate on the apartment lease agreement, “Sesan-gu, Sungwon-gu, Sungwon-gu, Sungwon-gu, Sungwon-si, Sungwon-si, Changwon-gu, Gyeongwon-gu, 1,206; (c) stated in the resident registration number column; (d) stated “K” in the resident registration number column; and (d) sealed F’s seal and sealed in the name column of the lessor in advance.

Accordingly, the defendant, in collusion with C, D, E, etc., forged one copy of the apartment lease contract in F, a private document on rights and obligations.

2. Around August 12, 2013, the Defendant: (a) conspired with C, D, E, etc. to use the relevant investigation document; (b) filed an application for a loan to an employee in charge of the lending at the east-dong branch of the Han Bank, Sung-dong, Sung-gu, Sung-si; and (c) submitted the forged apartment lease contract to the said employee as if it were duly constituted.

3. The Defendant, in collusion with C, D, E, etc., submitted a forged apartment lease agreement with the employee in charge of the above bank at the time and place of the above “paragraph 2,” and the Defendant paid a deposit amount of KRW 150 million to the owner of the building and resides in the lease on a deposit basis.