A defendant shall be punished by imprisonment with prison labor for up to six months and a fine of up to 4 million won.

When the defendant does not pay the above fine.

Punishment of the crime

"2018 Highest 588"

1. On March 20, 2016, the Defendant forged private document: (a) borrowed KRW 6 million from D’s house in the Chungcheongbuk-si B Apartment-si, Chungcheongnam-si; (b) borrowed KRW 6 million from D to D without the consent of E and F, the Defendant’s husband, at the time of borrowing KRW 6 million from D; (c) borrowed the above amount of KRW 20 million with a verification-type pen on March 20, 2016; and (d) drawn up the G apartment H, E, I, F, J, K, and payment date with the content that “the above amount of KRW 1 million is borrowed with a verification-type pen at any time; and (d) affixed seals affixed to E and F’s name and affixed them each time. From that time to September 19, 2016, the Defendant prepared a total of 10 times as indicated in the attached list of crimes.

Accordingly, for the purpose of uttering, the Defendant has forged 10 copies of the borrowed certificates in the name of E and F, which are private documents related to rights and obligations.

2. From March 20, 2016 to September 19, 2016, the Defendant: (a) delivered at the same place as the foregoing paragraph (1) one copy of a loan certificate in the name of E and F, which was forged in the same manner as that of the foregoing paragraph (1), to D, as if the document was duly formed; and (b) exercised each of the loan certificates in the name of E and F, 10 times in total, as described in the attached list of crimes, from around that time to September 19, 2016.

"2018 High Court 194"

1. On April 25, 2016, the Defendant: (a) borrowed KRW 45 million from L from Ma in Chungcheongnam-si, Chungcheongnam-si, the residence of L; (b) without the consent of E, the Defendant’s husband at the time of borrowing KRW 45 million from L; and (c) as a test color pen, “a certificate of use, a daily gold, a lump-sum loan with the above amount fixed; (d) five copies per month; and (e) interest shall be paid on the 30th of April; (e) the principal shall be repaid to Ha by April 30, 2017; (e) the principal shall be repaid to Ha; and (g) the G Apartment H, I, and E, the borrower, signed and sealed E’s seal imprint on the back of E’s name.

The defendant is therefore entitled to exercise.