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

The Defendant: (a) was offered from D, the actual operator of C (hereinafter referred to as “C”) who developed hot spring in Chungcheongnam-si, to offer a loan to the victims E and the victims F for several times from March 2016; (b) on August 3, 2016, the Defendant refused to offer money to the victims for the lack of a security for the collection of loan from the victims; (c) while showing two copies of the first loan in the name of 50 million won to the victims at H coffee stores located in Seo-gu, Seo-gu, Seo-gu, Seo-gu, Seo-gu, Incheon; and (d) stated two copies of the loan to the victims, “The owner of the hot spring development site, I provided two copies of the loan to the land contract amounting to KRW 100,000,000,000,000,0000,000 won received from D; and (d) given this as a collateral, the Defendant may lend the principal and interest of three months and 3 million,00,00.”

On August 10, 2016, the Defendant and D told the victims to “C has developed hot spring in B, and if the Defendant and D lend 30 million won to the victims, they will start up a hot spring up to 12 billion won underground within a week, and receive a loan from the J bank to pay as interest an amount equivalent to 100 percent of the principal and principal until November 10, 2016. If the Defendant and D fail to pay the money by that date, they would allow them to receive money from I as security, and the Defendant also made a monetary lending contract with the same content and made the Defendant sign and seal on the said monetary lending contract with the same purport.

However, facts are that C only paid I a fee of KRW 50 million for the use of a site for the development of a hot spring, and it does not purchase the site or pay the purchase price, and the above loan certificate in I's name is written by D at will.