1. From September 2014, the Defendant: (a) from around September 2014, the Defendant: (b) requested C to the effect that “I cannot open a mobile phone due to bad credit holder; (c) I opened a mobile phone under four names; and (d) I borrowed a bank account under four names; and (d) used C with the cellular phone opened in his/her name and the check number and password of the bank account under the name of C.

During that, the Defendant used C’s cell phone number and the C bank account’s physical card, and received C’s credit card in the form of using C’s personal information, such as C’s resident registration number, address, etc., with the intent to use C’s credit card. On July 2015, the Defendant was issued with C’s credit card in the form of c’s mobile phone number, bank account number, resident registration number, and other personal information.

However, at the time, the Defendant was unable to repay the money to the lending company, such as Rshnb, and was in bad credit standing, and was not adequate financial standing to the extent that living expenses, such as mobile phone charges, were not prepared, and even when using C credit cards, there was no intention or ability to pay the money normally.

Nevertheless, around July 14, 2015, the Defendant, within the above Samsung Heavy Industries, paid KRW 876,540 of the mobile phone charges in the name of Samsung Heavy Co., Ltd. with phone calls at the customer center, and paid KRW 876,540 of the mobile phone charges in the name of C, from that time until October 18, 2015, the Defendant acquired property gains equivalent to KRW 6,656,590 in total by being supplied with chemicalization or services over 94 times, as shown in the list of crimes in attached Table 1, and settling accounts with C credit cards in the name of C, and the victim is not in an irregular place on July 14, 2015.