1. Fraud;

A. On October 2010, the Defendant heard at the D coffee shop located on the 2nd floor of Echeon-si, Leecheon-si, that it was difficult for the Defendant to pay interest on loans from the victim E (e.g., 24 years of age), and that the Defendant would receive loans in four names, and thus, the Defendant would receive loans in four names, thereby allowing the Defendant to pay KRW 9 million, including the four million loan, if the Defendant would receive a loan in five million won in four names.

However, in fact, the defendant did not have any intention or ability to repay the money borrowed from the victim in lieu of the victim's loan or to repay the borrowed money due to insufficient monetary conditions, such as failure to repay the debt of approximately KRW 30 million.

Nevertheless, on October 20, 2010, the Defendant, by deceiving the victim as above, obtained the consent of the victim to the loan application made under the name of the victim, and obtained the copy of the victim's resident registration certificate, the copy of the resident registration certificate, the abstract of the resident registration certificate, the certificate of school attendance, the copy of the passbook of the bank, the cash card, and the password necessary for the loan from the victim at the Changdong-dong Office in Dong-dong, Dong-dong, Dong-dong, Dong-dong, Dong-dong, Dong-dong, Dong-dong, Dong-dong, Dong-dong, Dong-dong, Dong-dong, Dong-dong, Dong-dong, and obtained the loan from the bank in the name of the

B. On October 26, 2010, the Defendant had documents necessary for the loan, such as a copy of the resident registration certificate of E, as described in the above paragraph (a), with intent to obtain an additional loan in the name of E without consent of E, and upon using the above documents, the Defendant applied for a loan in the name of E in the name of E, or applied for a loan with consent of E, and deceiving an employee in the name of the Plaintiff’s former Savings Bank, and then deceiving the said employee into the account of the former Savings Bank in the name of E on October 26, 2010, and then deceiving him/her. < Amended by Presidential Decree No. 22426, Oct. 26, 2010>