A defendant shall be punished by imprisonment for one year.

However, the execution of the above punishment shall be suspended for a period of two years from the date this judgment becomes final and conclusive.

Punishment of the crime

1. Forgery of private documents related to loans, uttering of a falsified investigation document, fraud;

A. On February 23, 2012, the Defendant forged one copy of the joint and several guarantee letter in the name of E, a private document related to rights and obligations, for the purpose of signing and exercising a signature in the name following the E’s name, stating that D is “E”, “F”, and “F” in the resident registration number column, and “F” in the amount of guaranteed obligation column, at his own house located in Kimcheon-si, Kimcheon-si, to obtain a loan of KRW 3 million from the original loan Co., Ltd. (joint and several guarantors).

B. On the same day as described in paragraph (1) of Article 1, the Defendant sent the forged joint and several debt guarantee certificate to an employee in charge of loan of the above company who is unaware of the forgery in the mutual influence room located near the Defendant’s home, and exercised it by facsimile, as if it were a document duly formed.

(c)

The criminal defendant sent a forged joint and several guarantee certificate at the time, time, and place specified in Paragraph 1(b) and as above, and received money from the above victim company to the new cooperation account (Account Number:G) in the name of D in which he/she deceivings the employees in charge of the above loan and misleads the employees in charge of the above loan to the withdrawal of genuine joint and several sureties unit as if he/she was E.

b. Forgery of private documents related to the lending of e-mail by section, display of a falsified survey document, fraud

A. On February 23, 2012, the Defendant of a private document forgery: (a) on the one’s own house located in Kimcheon-si, Kimcheon-si; (b) on the paper of a loan transaction agreement (joint and several suretys) in which the said D would obtain a loan of KRW 3 million from the loan financing of clddddy loan; (c) the said D would use a black pen to use a typesetting machine in the name column of joint and several suretys; (d) “E” in the resident registration number column; (e) “F” in the mobile phone column; and (e) “F I” in the address column; and (e) on February 23, 2012, “the date of the guarantee agreement”, “39%” in the autonomous column; and (e) on July 1, 201.