Defendant shall be punished by a fine of four million won.

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

Punishment of the crime

1. Except as otherwise expressly provided for in any other Act, no person of the 2018 Highest 1374 shall borrow or lend any access medium in return for consideration, demanding or promising to use or manage the access medium;

Nevertheless, on September 6, 2017, the Defendant would pay 3.5 million won on the face of the lending account from the person in the name of the Defendant through the Kakao Kakao Stockholm at a place where the Defendant had been in the name of the Defendant.

“After receiving the proposal to the effect that “,” and accepting it, at the Busan-si terminal located in 239 as of September 7, 2017, transferred its name to the National Bank Account (C) in the name of the Defendant at the Busan-si Terminal, Busan-si, 2017.

Accordingly, the defendant promised to receive the price and lent the electronic financial transaction access media.

2. Except as otherwise expressly provided for in any other Act, no person of the 2018 Highest 3054 shall borrow or lend any access medium in return for consideration, demanding or promising to use or manage the access medium;

Nevertheless, on September 4, 2017, the Defendant borrowed a check card to be used at the time of the reduction or exemption of alcoholic beverages from the name in the Kakao Stockholm via the Kakao Stockholm.

3. It shall be returned again after borrowing it for 3 days.

700,000 won per day shall be paid 2.1 million won per day for three days.

On September 4, 2017, at around 15:00 on September 4, 2017, after receiving a proposal to the effect that “,” the E office located in the Nam-gu Incheon Metropolitan City, transferred its name to a person who was not the person in question through a door-to-door engineer with a physical card connected to the Saemaul Treasury’s account (F) in the name of the defendant.

Accordingly, the defendant promised to receive the price and lent the electronic financial transaction access media.

Summary of Evidence

No. 1 of the Judgment

1. Statement by the defendant in court;

1. Report on internal investigation (attached to a warrant of search and inspection of a national bank);

1. Crimes 2 as indicated in the Kakao Stockholm dialogue.