A defendant shall be punished by imprisonment for not more than ten months.

Punishment of the crime

While the Defendant borrowed the account of credit card and community credit cooperatives in the name of the victim from the victim C on October 2013, the Defendant was issued an authorized certificate necessary for Internet banking from the victim by the community credit cooperatives located in Chungcheongnam-gun, Chungcheongbuk-do, with the petition direction for the main highway, at the inner resort area in the front-time highway, and requested the victim to request the Internet banking for the convenience of settlement, and around that time, the Defendant requested the victim to apply for the Internet banking at the community credit cooperatives located in Chungcheongnam-gun, Chungcheongbuk-gun, and received the authorized certificate from the victim.

As above, the Defendant had an authorized certificate issued by the victim, and had a copy of the victim C’s resident registration certificate while entering the victim C’s mobile phone, with the intent of using the victim’s name by requesting a loan.

1.(a)

On October 28, 2013, the Defendant entered the name, resident registration number, etc. of C in the name of 5 million won in the name of C through mobile phone certification, and transmitted electronic records related to the above loan application to the person in charge of the lending of C in the residence of the Defendant located in the residence of 303 Dong-dong, Dong-gu, Chungcheongnam-gu, Yandong-gu, Seoul Metropolitan City.

Accordingly, the defendant forged electronic records related to C's application for loans related to rights and obligations with a view to hindering the management of affairs, and sent them to the loan manager of the Korea C's Bank who is aware of such fact and exercised them.

B. On November 4, 2013, the Defendant: (a) connected the Defendant’s residence to the SBI3 Savings Bank website using a computer; (b) applied for a loan of KRW 5 million in the name of C by means of personal certification using C’s authorized certificate; (c) entered C’s resident registration number, workplace address, etc. without authority; and (d) transmitted electronic records related to the said loan application to the person in charge of the SB3 Savings Bank.

Accordingly, the defendant will conduct business affairs.