The Defendant, “2019 Highest 2019,” referred to as “B, who was known to the general public, has been engaged in an increase in business,” and received money from B as investment money only three months prior to the filing of a request to return the principal by paying interest at 20% per annum and return the principal at any time.” On the ground that “B, if there is a person who is to make an investment, will be introduced, and the principal will be paid.” As above, the Defendant considered B to be aware of the fact that “B will pay interest and principal.”

1. Around January 9, 2018, the Defendant, against the victim C, told B to the effect that B would pay 20% interest per annum and return the principal at any time only three months prior to the request for return, if the Defendant lent money to the victim C from the 3rd EFcop “G” of the D building in Seongbuk-gu, Seongbuk-gu, Seongbuk-gu, Seongbuk-gu.

However, at the time, the defendant had not been operated properly, and had not been paid interest and principal to other investors, and there was no intention or ability to pay interest and principal even if he received money from the victim due to the lack of economic circumstances, such as the amount equivalent to KRW 70 million for personal debt.

As above, the Defendant, by deceiving the victim as above, had the victim take over KRW 170 million in total from the transfer of KRW 70 million on January 10, 2018, and KRW 170 million on January 23, 2018 to the I Bank account (J) of H in the H’s name.

2. The Defendant, under the pretext of being used for today’s business, borrowed money to investors and prepared a loan certificate to see as if he had credit standing, had the seal affixed to the name of the representative director of the KK Stock Company, on which the Defendant works, and had the seal affixed in the name of KK Stock Company representative director.

On January 10, 2018, the Defendant prepared a loan certificate at the Defendant’s office located in L, at the time of J, and the borrower’s “A”, “A” and “M”.