2. Determination is based on the following circumstances: (a) although the Defendant’s mistake is recognized as a whole, has a deep depth and has no criminal history; (b) has to pay an old age while living conditions are difficult; (c) has to pay a sum of KRW 2,8450,00 to the victim L by paying a sum of KRW 2,8450,00 to October 29, 2014; and (d) the Defendant’s crime of this case has committed each of the instant crimes: (a) even if the Defendant was using money from the victim D to pay the Defendant’s personal debt; (b) has a plan to receive money from the victim D to receive money under the name of the purchase price for stocks; (c) has the intention to return the existing principal of investment to 40% of the investment principal; (d) has no intention or ability to pay apartment money; and (e) has to receive money from the victim to 400% of the investment principal of the Defendant’s investment to H by obtaining investment profits from the victim under the name of 40%.