The Defendant, “2013 Highest 253, the Defendant, using a single-name passbook, prepaidphone, customer information, etc. prepared in advance, intended to get loans from many unspecified persons in the second financial right, etc. first, and to demand a money in the name of the purchase of a refund-type guarantee certificate to convert into a low interest rate after two to three months.

1. On November 26, 2012, the Defendant misrepresented the victim D staff at the 3rd floor office in Daegu-gu, Daegu-gu, Seoul-gu, that “In the event that the Defendant received a loan from the second financial right and sent the money under the name of the deposit, the Defendant opened a low interest-free passbook after one month, and would return the said deposit money.”

However, the fact was that the victim did not have the intention or ability to make the loan by opening the passbook.

The Defendant received 2,00,000 won from the victim, namely, from the victim’s seat to the (F) E-name account.

Accordingly, the defendant was given property by deceiving the victim.

2. On December 20, 2012, the Defendant, at the place indicated in paragraph (1) around December 20, 2012, concluded that “Around December 2012, the Defendant, who is an employee, misrepresented the victim H to make a 50,000 head of the Bank of Korea Maspbook to create the 50,000 head of the Bank of Korea Federation, and bears 20% of the loans as a guarantee insurance premium.”

However, the fact was that the victim did not have the intention or ability to make the loan by opening the passbook.

The Defendant received 10,000,000 won from the victim, i.e., the account in the name of J (K) from the victim, and received 2,00,000 won under the pretext of prompt lending around the 28th of the same month.

Accordingly, the defendant was given property by deceiving the victim.

3. On December 26, 2012, the Defendant called the victim L at the place indicated in paragraph (1) around December 26, 2012, and assumes a false position as an employee of the IBK Enterprise Bank approval book.