1. As to the Plaintiff, Defendant B’s KRW 3,00, Defendant C’s KRW 5,370, and Defendant D’s KRW 1 and each of the said money from February 1, 2015.

1. Basic facts

A. Around September 2014, Defendant B, who introduced the Defendants as employees E of the new bank, offered the Defendant’s name-oriented cards via Kwikset-based service, with the intention of obtaining a loan by obtaining a telephone call from a person who introduced himself as a new bank employee E, to obtain a loan to the maximum extent possible, as if he received a large monthly wage, and then obtaining a loan. Around September 30, 2014, Defendant B opened an account at the Korea Stick World Bank (F) and offered a physical card connected to the said account.

On September 30, 2014, Defendant C received a telephone to verify whether a loan is required from a female in the name-free name, and confirmed that it is so. On October 2, 2014, Defendant C transferred a physical card connected to his/her post account (Account Number H) via a taxi driver to a person who is the team leader of the SC Finance G Group should inquire about the transaction performance and credit in order to take out a telephone and take out a loan.

Around October 1, 2014, Defendant D received a letter from a mobile phone and used a telephone, and when a nameless person opened a passbook of SCB bank and sent the card, Defendant D trusted that he would make a bank loan. On the following day, Defendant D opened a Korean standard-based bank account (Account Number I) and transferred the check to a nameless person through Kwikset service article with a physical card connected to the said account.

On December 26, 2014, the Defendants were ordered to suspend indictment against the violation of the Electronic Financial Transactions Act by the Incheon District Prosecutors' Office in relation to the act of transferring the physical card as above.

B. On September 29, 2014, the Plaintiff, who was transferred to the Plaintiff’s account, received text messages related to loans from a name-free person who assumes the name-based employee of the National Agricultural Cooperative that he/she misrepresented as the NHF employee, and took a call from his/her name-free person, and “it is possible to lend a loan at a low interest rate of up to 20 million won if he/she disposes of the loan with a high interest rate loan from a private financial business entity.”