The Defendant, from April 22, 2009 to Incheon Gyeyang-gu, operated the “E Taekwondo Chapter” in Gyeyang-gu, Incheon, along with his spouse’s accomplice C, and from March 9, 2012 to March 3, 2012, operated the “G Taekwondo Chapter” on the third floor of the Seo-gu Incheon.

From around September 8, 2011 to around 2008, the Defendant: (a) paid a significant portion of the income of the Taekwondo ground as gambling capital and there was a shortage in living expenses, etc.; (b) on February 27, 2009, the Defendant began to borrow money from those who borrowed KRW 30 million from the victim H, etc.; and (c) around September 8, 2011, the Defendant was in a state of returning obligations, such as borrowing KRW 1876,00 from the victim I to deduct the amount of unpaid debt to the victim H from the amount of unpaid debt, and receiving KRW 9 million from the victim.

On the other hand, as of February 9, 2012, the Defendant had a debt of KRW 20 million to Nonghyup, KRW 30 million, KRW 5 million, KRW 2000,000, KRW 2000,000, KRW 13000,000, KRW 5000,000, and KRW 200,000,000,000, KRW 500,000 borrowed from the victim I, and KRW 30,000,00,000 upon taking over the Taekwondo hall around March 9, 2012, the Defendant agreed to pay interest of KRW 3,00,00 to the J, but the Defendant did not pay the interest of KRW 3,00,00,00,00 to the victims of Taekwondo as the income from Taekwondo operation, and the Defendant did not have the ability to pay the principal to the victims of the loan from around 13,201.

1. The Defendant’s borrowing fraud against the Victim K, H, I, L, M, N, orO.