1. On September 22, 2015, the Defendant against the victim C would provide the victim C with KRW 34,50,000,000 including the principal and interest, until October 20, 2015, when he/she lent KRW 333,50,000,000 to the victim C by purchasing and selling gift certificates emitted from the Mez fire insurance at home.

“The purpose of “ was to make a false statement.”

However, at the time, the Defendant had no intention or ability to repay the personal debt, etc., even if he/she borrowed money from the damaged party due to the absence of any property or particular income.

As such, the Defendant, by deceiving the victim as such, received a total of KRW 73 million from the victim to the Busan Bank Account in the name of the Defendant, on September 22, 2015, including KRW 30 million, KRW 27 million on September 24, 2015, KRW 27 million on October 16 of the same year, and KRW 13 million on October 16 of the same year.

2. On January 15, 2016, the Defendant against the Victim F calls the Victim F to the victim F in Daegu or does not exceed Daegu, and receives allowances from an insurance company if he/she pre-paid the fire insurance case, the maturity of which has expired. However, if the money is lent, it is only 10 days if the customer deposits the fire insurance premium.

“False speech was made to the effect that it was “.”

However, even if the Defendant borrowed money from the damaged party, it was thought that it was used to pay the Defendant’s personal debt, including the sales business of merchandise coupons, not the advance payment of fire insurance, and the repayment of the borrowed money as stipulated in paragraph 1, and even if the Defendant borrowed money from the damaged party due to the absence of any property or particular income, it did not have an intention or ability to pay it more than 10

The Defendant, as such, induces the victim, and then, covered by the fire insurance.