around 2004, the Defendant borrowed an amount of KRW 120 million from a bank and borrowed money of KRW 100,000 from KRW 120,00,00 from KRW 120,00,00 to KRW 30,00,00,000 to KRW 30,00,00,000 to KRW 30,00,00,000,000 to KRW 100,000,00,000 to KRW 30,00,00,000 to KRW 30,00,00,000 to KRW 30,00,00 to KRW 30,00,00 to KRW 30,00,00 to KRW 30,0,00 to KRW 30,00 to KRW 30,0,00,

Nevertheless, around March 2012, the Defendant started operating the “A party club” to the Dong-gu, Ansan-gu, Seoul-si, Seoul-si, in which money was loaned to the branch, but operated the “A party club” with the so-called “fluoring” type of re-loaning bonds for the purpose of paying interest on loans and operating expenses, etc., and eventually, upon the occurrence of a dispute equivalent to KRW 150 million, the Defendant used money to the victim F, etc. who became aware of the said party’s customers.

1. On October 22, 2012, the Defendant received money KRW 20 million from the victim to the Agricultural Cooperative (H) account in the name of G by stating that “A party club” as of October 22, 2012, “A party club will reduce interest on KRW 2.5 per month if it lends money to the victim F, and will make payment within six months.”

However, at the time of fact, the Defendant was 150 million won, such as bonds, etc. with no specific property with bad credit standing, and at least KRW 10 million has been disbursed each month with interest on bonds, etc., and the sales of the party room is merely 7 million won and thus is not paid for the party room management expenses and rents, so even if the Defendant borrowed money from the victim even though he did not have the intent or ability to complete the payment, the Defendant acquired by deception 20 million won by fraud.

2. The Defendant continues to borrow money from the Victim F, as described in the foregoing paragraph 1.