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

1. On November 14, 2011, the Defendant: (a) on November 14, 201, the victim D’s dynamic office located in Gwangju Mine-gu, Gwangju; and (b) on November 14, 201, the Defendant, even if borrowing money from the victim, did not intend or have the intent or ability to repay the money properly; (c) in the absence of the victim’s intent or ability to perform the operation, the Defendant obtained from the victim a false statement that “if he/she did not perform the operation as soon as possible because he/she did not narrow a hole, he/she may perform the operation without going to stop it; and (d) if he/she borrowed KRW 5 million,00,000,000 for operating expenses, he/she would have repaid the amount of KRW 10,000 on January 20, 2012 by 21 the following day, he/she shall receive the victim’s loan amount of KRW 5 million from the victim.

3. On July 24, 2012, the Defendant: (a) at the same place as of July 24, 2012, at the same time as the victim D; and (b) at the same time, the Defendant made a false statement to the victim stating, “I will lend 500,000 won to the victim because I would be the bad credit holder if I would not be able to fully repay the money even if I borrowed the money from the said victim D; and (c) even if I would not have any intent or ability to fully repay the money, I would have the victim borrow 5 million won from F to borrow 5 million won from F; and (d) the Defendant would have the victim take the guaranteed obligation by having the victim pay 5 million won by subrogation to F, thereby obtaining economic benefits equivalent to that amount.

4. On August 27, 2012, the Defendant: (a) at the same place as the victim D on August 27, 2012; and (b) at the same time, the Defendant, even if borrowing the money from the said victim D, did not have the intent or ability to repay the money properly; (c) the Defendant, despite having no intent or ability to pay the premium under the name of the Plaintiff, saying, “If only KRW 5 million is additionally lent, he/she will complete the payment by October 27, 2012, he/she shall receive KRW 5 million from the victim as the borrowed money.”

Summary of Evidence

1. Partial statement of the defendant;

1. Witnesses D, H, and F, respectively.