The defendant shall be innocent.

1. From 2007 to 2007, the Defendant had been engaged in money transactions, such as lending business funds, on several occasions with respect to HY reconstruction association located in Seoul Special Metropolitan City, but after the completion of the apartment construction and the dispute over the payment of the construction cost between the association and the construction company, etc., the Defendant had been able to secure and keep a letter of debt performance guarantee under the name of the president of the association with the evidentiary documents related to the Defendant’s association.

A. On September 13, 2012, the Defendant, without authority, shows that he/she, without authority, has an accounting employee I, who is aware of the fact, voluntarily prepared by the Defendant, and had him/her present the content in the A4 size document form using a computer installed therein to “the letter of obligation repayment guarantee” as requested by the Defendant, “J”, “receiving”, and “A”, and “A”.

2. He borrowed 4,648,00,000 won in total and interest 3,726,000,000 won in total and accrued interest 3,374,00,000 won (as of 31, 2012) from the Hora Cooperatives (HR Housing Association, Seoul Special Metropolitan City Gwanak-gu G) for a long period of time in order to make a full payment before September 23, 2012, he has made efforts to make a full payment on several occasions, but has not yet made a payment, and he has failed to do so. Finally, he will take measures for all property of the Association (48 households) at the time of the exchange, and submit a letter of commitment without any objection.

The purport of the “K” is stated, and the following was stated as the “K on behalf of the president of the reconstruction housing association,” and the “K on behalf of the president of the HY reconstruction housing association on behalf of the president of the JJ,” and the printing was made, followed by the name of the said J, sealed the seal affixed to the name of the association as the president of the association, and served the Defendant by certified mail.

Accordingly, the defendant is under the name of K with the authority of the president of the association, which is a private document on rights and obligations.