The Defendant, in collusion with C and D, has the structure of ‘DB' office (the location of management of telephone numbers and sending large numbers of letters) and ‘First' office (the phone call is made to the lender when sending large numbers of letters) for the fraud, after consulting the first customer, prepared the standard table by confirming basic data, such as monthly income, fourth purchase of insurance, type of business, delay in payment, etc., and then viewing the customer's information as the second office) and the second office (the first office) by speaking the customer's information received at the "First office" and making a misrepresentation of the financial company and using the name of the company as the loan counsel and examination, and, as pretending to use the name of the company and making a loan consultation and examination, acquired money from the customer under the name of the bond guarantee expense. The Defendant employed the "DB office' as the counselor and staff of the first office, F, G, H, I, J, and the second office as the counselor, K, M, M, P, P, P, Q, M, M, M, M, and following crimes.

According to the orders of the Defendant and C and D, E belonging to the “DB” Office in Daegu Suwon-gu, as if it were a subsidiary company of an enterprise bank with credibility, sent written text messages related to loans made in the name of “IBK Financial Company” in the first “G, H, I, and J, belonging to the office, and expressed the intent to borrow text messages sent by E, as if it were the “IBK Financial Company,” against the person who expressed the intent to borrow the text messages sent by the H, H, I, and J, by preparing the receipt table of loans, as if it were the “IBK Financial Company,” and after arranging the customer list in which the Defendant and D expressed the intent to borrow, the customer list was sent to F, and sent to the second office, in Daegu-gu W, Daegu-gu, Daegu-gu, Daegu-gu, Daegu-gu, and Daegu-gu, Seoul-gu, Seoul, and the second office in the name of “Seoul-gu, Daegu-gu, Daegu-gu, Seoul, 20% of the loan loans, MB, 3, 4, Q and Q, Q, and Q.