The defendant shall be innocent.

1. The summary of the facts charged was, prior to separation, the Defendant, using a charter contract with Co-Defendant B, a person in unsound name and false content, and a forged certificate of employment, deceiving a bank to borrow loans and conspired to divide loans into two. A.

The name omittedist of the forgery of private documents sent a letter to the defendant that he would give a loan to the defendant, and reported it to the defendant that "the document, such as a certificate of resignation, a detailed statement of salary, etc., is required to be known to B. B with this document, he/she shall prepare a loan agreement with the bank, and shall apply for the loan to the bank", and B shall take overall charge of the loan by ordering "the defendant shall prepare a charter agreement with the defendant, and shall apply for the loan to the bank, and shall distribute the loan to him/her," and the defendant shall be notified of his/her personal information.

On August 201, the person under whose name the person under whose name the person under obligation was named was named “A” by using a computer in the name column, “A” in the address column, “Seoul Special Metropolitan City C 201” in the column of service, and “A” in the column of service from May 23, 201 to the date of May 23, 201.

In the form of benefit statement, the person under whose name the person under whose name is not paid has made three copies of the benefit statement by stating "A", "A", "D", and "E" in the name column of the department, and "E" in the representative column, using the computer in the form of the benefit statement, and affixing the seal impression of D which had been arbitrarily inscribed on the name.

As a result, the defendant, B, and the person in poor name are forged each by forging a certificate of employment, which is a private document related to a certificate of fact under the name of representative E of "D" for the purpose of uttering.

B. On August 201, in order to obtain the health insurance card issued under the Defendant’s name according to the above public offering, the person who was unaware of the above investigation document was forged as above.