Defendant shall be punished by a fine of KRW 700,000.

Where the defendant fails to pay the above fine, one hundred thousand won shall be one day.

Punishment of the crime

1. Forgery of private documents and the display of private documents;

A. On October 23, 2012, the Defendant: (a) prepared a card receipt and membership application form without authority for the purpose of exercising at a Ccafeteria located in Yongcheon-si B; (b) forged D’s card receipt and membership application form; and (c) issued a forged receipt and membership application form to an employee who was aware of the forgery, and exercised it.

B. On May 31, 2013, at the front of the above Ccafeteria, the Defendant, without authority, stated, for the purpose of exercising, “D” the amount of loan of the loan transaction agreement using the pen without authority, “o million won” and “24 months” in the name column, and stated, “D” in the signature column of the CMS transfer agreement, and forged one letter of the loan transaction agreement in the name of D, a private document concerning rights and obligations, and one copy of the CMS transfer agreement, and exercised it by delivering it to HK Savings Bank employees who are aware of the forgery.

2. Fraud;

A. On October 26, 2012, the Defendant: (a) obtained a credit card in the name of D; and (b) used it to pay 32,000 won from “E” located in Yongcheon-si on October 26, 2012; and (c) obtained pecuniary profits equivalent to the said amount by settling credit accounts of 13,450,340 won, such as the attached list of crimes, on August 2, 2013.

B. On May 31, 2013, the Defendant received 5,000,000 won from the Victim HK Savings Bank from the victim HK Savings Bank to the post office account under the name of D in the same manner as 1-b, and acquired it by fraud.

Summary of Evidence

1. Defendant's legal statement;

1. Statement made to D by the police;

1. Application of Acts and subordinate statutes, such as details of credit card transactions, copies of passbooks, application for subscription to a lot card, and loan transaction agreement;

1. Article 231 of the Criminal Act in relation to the facts constituting an offense (the point of reference of private documents), Article 234 of the Criminal Act (the point of uttering of private documents), Article 347 of the Criminal Act.