However, the execution of the above punishment shall be suspended for two years from the date this judgment becomes final and conclusive.

1. On March 2019, the criminal defendant against the victim B made a false statement to the effect that “A person who wants to engage in an illegal credit business is able to borrow money, because he/she is able to make an investment.”

However, in fact, since the defendant bears approximately KRW 100 million to many persons due to illegal loans at the time, even if he borrowed money from the victim, he did not think of the return of the existing debt, but did not have the ability to use it for or repay for the actual illegal loans.

Nevertheless, the defendant deceivings the victim as above, and around March 11, 2019 from the victim, 9,000,000 won in the NongHyup Bank (C) under the name of the defendant, and the same year.

3. The Nonghyup Bank (D) account in the name of the defendant around 27.27.5 million won and the same year.

4. Around 20.20. Around 20.20.20.20, the sum of KRW 400,000 in the NongHyup Bank account (C) under the Defendant’s name was remitted and acquired, respectively.

2. On April 5, 2019, the criminal defendant against the victim E made a false statement to the effect that “The victim E runs a credit business at a place where it is impossible to know about April 5, 2019, the Defendant would return KRW 3,900,000 after two weeks if he/she lends KRW 3,000,000 to the victim E.

However, in fact, since the defendant bears approximately KRW 100 million to many persons due to illegal loans at the time, even if he borrowed money from the victim, he did not think of the return of the existing debt, but did not have the ability to use it for or repay for the actual illegal loans.

As above, the Defendant, by deceiving the victim as above, received KRW 3,00,000 from the victim’s account (C) in the name of the Defendant from the said day, and received KRW 30,450,000 from that time to April 27, 2019 by deceiving the victim over a total of 11 times, such as the statement in the list of crimes in the attached Table.

b)a summary of the evidence;