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

1. On September 19, 201, the Defendant worked as a loan consultant from Hyundai Capital Capital, the Defendant called the victim C to the effect that “a loan is made for business funds of KRW 5,600,000,000,00,000,000,000,000,000,000,000,000,000,000.”

However, even if the defendant was raised from the victim, he did not have the intention or ability to receive a loan with large apartment as security.

As above, the Defendant, by deceiving the victim, received KRW 1.5 million from the victim to the bank account in the name of the Defendant under the name of the Defendant for the purpose of immediately growing loans, and took over the amount of KRW 56,50,000 from that time to September 27, 2012 as shown in attached Table 1, under the name of lending and increasing the amount of KRW 20,000,000 from that time.

2. On February 10, 2013, the Defendant made a phone call to the victim D who was friendly due to the fact that the Defendant had been working as a lending consultant at the Komato Savings Bank at the time of engaging in lending as a lending consultant, and made the phone call to the effect that “the Defendant changed the place of work to Hyundai Capital.” Within one month, the Defendant changed the 5.6 billion won loan to Hyundai Capital.”

However, even if the defendant was not engaged in the financial industry and was forced to get the loan from the victim, he did not have the intention or ability to get the loan.

On February 14, 2013, the Defendant: (a) received KRW 5 million from the victim to the foreign exchange bank account in the name of the Defendant; (b) and (c) received money from the victim under the pretext of loan increase; and (d) received money from May 14, 2013, totaling KRW 31.7 million through seven times, as shown in attached Table 2, from that time to May 14, 2013.

However, the date of No. 3 " February 18, 2013" is corrected and recognized as " February 20, 2013" and recognized as " February 20, 2013."

(Evidence List Nos. 3). 3. The Defendant called the victim E in his phone on June 2013.