1. Fraud;

A. On February 2, 2014, the defrauded of the borrowed money is required to use the borrowed money to lend the money to the victim “in order to engage in the lending business,” and the borrowed money will be repaid by the number of days in the case of the borrowing day, in the case of the Defendant’s borrowing of money from the victim D located in Seo-gu, Busan, Seo-gu, Busan, Seo-gu

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However, the fact was that the Defendant had to pay the Defendant debt with the repayment of the Defendant’s existing debt to the victim by lending money from the damaged party, and the Defendant did not wish to use the borrowed money for the loan business, and there was no intention or ability to pay the borrowed money properly even if he received the money from the damaged party as the borrowed money.

The defendant shall belong to the same month from the injured party.

3. The Defendant received remittance of KRW 4,675,00 from the F’s account in the name of the F (National Bank G), and received KRW 863,619,00 from around that time to July 2014, and repaid only KRW 811,220,70 among them.

As a result, the Defendant, by deceiving the financial ability to repay, received money from the injured party as the borrowed money, and did not repay 52,398,300 won, thereby acquiring financial benefits equivalent to the same amount.

B. The Defendant, on April 24, 2014, obtained credit card use money, by fraud 1) The Defendant would pay the victim the expenses of the hospital in the GI hospital located in Yongsan-gu, Yongsan-gu, Yongsan-gu, Busan Metropolitan City “The mother hospital’s treatment expenses are urgent and the credit card is lent to the victim at an annual rate of five months.

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However, the defendant did not have the intention or ability to pay the price properly even if he borrowed the credit card from the injured party.

The defendant received a credit card from the injured party and settled the hospital expenses of 1.5 million won and acquired the pecuniary profits equivalent to the same amount.

2) On May 27, 2014, the Defendant: (a) was a credit card to sell cosmetic materials to the victim at the beauty art room of the Defendant’s operation located in the Seo-gu, Seo-gu, Yongsan-gu, Yongsan-si.