1. On January 28, 201, the Defendant: (a) heard that he/she may receive a loan by using a certificate of employment and passbook from his/her name-free loan broker; and (b) requested him/her to make a single bank passbook under the name of Han Bank, a private document concerning the rights and obligations, in an unlawful manner; (c) around January 28, 201, the Defendant filed an application for a loan at the branch office in Incheon, Seo-gu, Incheon, Seo-gu, Incheon, for the loan at the 2nd office; and (d) submitted the forged passbook to a name-free employee who is aware of the forgery.

Accordingly, the defendant, in collusion with a name-free person, forged a passbook in the name of one bank, which is a private document on rights and obligations for the purpose of uttering, and used a forged private document.

2. Fraud;

A. From October 1, 201 to October 1, 201, the Defendant presented a certificate of employment as if the Defendant served as an employee in the management department in the Department C, an electronic commerce company, and as if the Defendant received benefits from a forged bank passbook as above, the Defendant presented the passbook to employees in the name of the address.

However, there is no fact that the defendant did not work for C, and there was no intention or ability to repay it in time even if he received a loan from C.

As a result, the Defendant conspiredd with the person who was infinite, thereby deceiving the victim as above, and transferred KRW 15 million to the Agricultural Cooperative Deposit Account in the name of the Defendant on the same day from the person who was infinite.

B. On February 28, 201, the Defendant applied for a loan to a staff member in charge of the name in charge of the victims' high-interest Saemaul Bank's name at the certified judicial scrivener office located in Seocheon-gu D building 903, Seocheon-gu, Seocheon-gu, Seoul, and received from the above person in charge of the loan, and falsely prepared a false certificate of employment from July 1, 2010 to that of the Defendant who works as an employee in the above case C.