The Defendant, around 2010, up to KRW 80,00,00 including bonds with personal liability without any particular property. On the other hand, in running home visit sales business, it was difficult to pay monthly interest. In addition, since around March 2010, the Defendant was unable to properly manage the fraternity received from the fraternity members because it was difficult to pay the fraternity due to the lack of money due to the failure of managing the fraternity from the fraternity members in the order of 20 consecutive years from March 2010, the Defendant did not have the ability to pay the fraternity normally even if he did not have the ability to pay the fraternity due to the lack of the intent to pay the fraternity and the ability to pay it normally.

Nevertheless, the Defendant, on August 18, 2011, lent KRW 5 million out of the limit of KRW 10 million scheduled to be paid on August 18, 2011 to the victim F at the “E” store located in Yansan-gu, Jeonju-si, Jeonju-si around August 18, 201, would be entitled to the interest of KRW 4 per month.

‘Falsely speaking, the victim shall be paid KRW 5 million out of the limit that was promised on August 18, 201 to KRW 10 million and acquire property benefits equivalent to the remaining KRW 5 million in the same amount by not paying the remainder of KRW 5 million. From around that time to October 5, 2012, all of the following means: (a) shall be obtained by deceiving KRW 210,90,000 through the same method on 11 occasions as shown in the list of crimes in the attached list of crimes; and (b) on January 2, 2012, the victim shall be obtained KRW 210,000 by means of the same method on 11 occasions; and (c) on January 2012, 2012.