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

The Defendant, with the permission of B, who was the person who terminated the shortage of living expenses, etc. due to bad credit, committed as if B, using a mobile phone in the name of B, and tried to apply for a loan by telephone.

1. Forgery of private documents and the uttering of a falsified investigation document;

A. On October 25, 2012, the Defendant: (a) stated “sale million won” in the column for the amount of loan by using an authorized tool on the paper of the agreement for the loan transaction of HK Savings Bank at the parking lot of the Si/Eup/Myeon-dong 1324, J. Si; and (b) stated “B” in the name column; and (c) signed B after entering “B” in the name column; and (d) stated that the said agreement for the loan transaction was duly concluded on the paper of the agreement for the loan transaction of HK Savings Bank at the parking lot of the Si/Eup/Myeon-dong 1324, 1324; and (c) stated that the loan was made in the column for the loan period.

B. On January 17, 2013, the Defendant: (a) stated “3,00,000 in the column for the loan limit; (b) “2,00,000,000 in the column for the first use amount; and (c) stated “B in the customer name column; and (b) signed B in the resident registration number column; and (c) signed the said loan transaction agreement on the part of the business members of R&I, who knew of the forgery at that place.

(c)

On July 25, 2014, the Defendant: (a) stated “B” in the “written application for membership of card members and written receipt for receipt of a certificate” using a type of pen to have the period of validity of the card terminated; and (b) stated that the Defendant submitted it to the staff in charge of the card in charge of the charge of the charge of the charge of the charge of the charge of the charge of the charge of the charge of the charge of the charge of the card, which is unaware of the forgery.

As a result, the defendant has forged private documents on rights and duties and exercised them respectively.

2. Fraud;

A. On October 11, 2012, the Defendant is a person in charge of loans from the Victim HK Savings Bank Co., Ltd. at an insular land.