1. Around April 2006, the Defendant got aware of the Victim C through the Internet club around April 2006, and, with the knowledge of the fact that the victim lives together after the divorce, sells the house and has cash, the Defendant got the victim to borrow money from the victim, acting as if he were to marry with the victim.

Around December 14, 2006, the Defendant received KRW 8,00,00,00 from the victim to the Agricultural Cooperative account in the name of the Defendant on the same day, and received KRW 62,00,000 from the victim from July 20, 2007 to July 20, 2007 by means of the following methods: (a) the Defendant did not have any intention or ability to engage in a business, such as black ginseng and grain, even if he received money from the victim; (b) there was no intention or ability to make a return of money from the victim because there was no certain income or property at the time; and (c) there was no intention or ability to make a return of money from the victim; and (d) the Defendant received money from the victim as a loan from the victim to the Agricultural Cooperative account in the name of the Defendant on the same day.

2. On November 2012, the Defendant against the victim E did not have the intent or ability to make profits from investment in the fund goods even if he received investment funds from the victim E. At the time, the Defendant had no certain income or property and had been able to use the money received from the victim for debt repayment, etc., and even though he did not have the intent or ability to return it, the Defendant would ensure at least 25% of profits if he/she made investments because he/she had a good fund product. If 100 million won has been invested, he/she would return the money equivalent to the amount of profits in the event of 25% of profits.”