1. Fraud;

A. On July 27, 2015, the Defendant: (a) at a place where it is impossible to know about July 27, 2015, the Defendant incurred a reduction in the amount of money to the victim C.

It is required to obtain a loan, and at the same time, it is called that a joint and several surety should not be paid with money immediately if the guarantee is paid."

However, the defendant was addicted to sports gambling without a certain occupation or income, and was used as gambling funds, etc., and even if the defendant had a victim jointly and severally guaranteed, he/she did not have any intention or ability to repay the loan immediately.

However, Defendant 1 made a false statement as above, and borrowed 4 million won from AD Investment Finance Co., Ltd. around that time, and caused the victim to stand a joint and several surety. From around that time to July 28, 2015, Defendant 1 made the victim enter one to eight times a year in attached Table 1 through 2015 (Provided, That “AN Investment Finance Loan” in the name of the lending company is “AN Investment Finance Loan”, and all “a capital” is “a loan” and “a joint and several surety” are all “a capital loan” and “a joint and several surety”.

In this respect, the defendant, by deceiving the victim, had 35 million won loans be provided as joint and several sureties to acquire financial benefits equivalent to the same amount of money.

2) On September 14, 2015, the Defendant, at a place where it is difficult to know about September 14, 2015, issued a false guarantee to the victim C.

If a loan is paid with a loan under four names, the loan shall be repaid with the money and the loan shall be repaid with the money, and the loan shall be repaid with money from the loan company.

“.....”

However, as above, the Defendant was addicted to sports gambling without a certain occupation or income and was using it as gambling funds, etc.