1. On September 20, 2012, the Defendants, on September 20, 2012, concluded that “If a business fund is required and KRW 500,000,000,000 is lent, a monthly interest shall be paid and until January 20, 2013 shall be repaid,” and the Defendants, on September 20, 201, prepared a loan certificate stating F (the name of the Defendant A) and B in the joint guarantor column and issued it to the victim.

However, Defendant B had a debt equivalent to KRW 17 million in financial institutions, etc. Defendant A had a debt equivalent to KRW 4.2 million in financial institutions, etc. Defendant A had a debt equivalent to KRW 4.2 million in financial institutions, and Defendant A had no intent or ability to repay the debt to G even if he borrowed the above money from the victim.

Nevertheless, the Defendants conspired to induce the victim as above, thereby deceiving 5 million won from the victim.

2. On October 5, 2012, the Defendants committed the crime on October 5, 2012: (a) at the place specified in paragraph (1) above; (b) at the purport that “If a business fund is loaned KRW 6 million; (c) if a loan is made, the Defendants would pay interest on two copies per month; and (d) until December 30, 2012.” (b) Defendant B would be the debtor, and Defendant A as the guarantor, and issued the victim with a loan certificate, respectively.

However, Defendant B had a debt equivalent to KRW 17 million in financial institutions, etc. Defendant A had a debt equivalent to KRW 4.2 million in financial institutions, etc. Defendant A had a debt equivalent to KRW 4.2 million in financial institutions, and Defendant A had no intent or ability to repay the debt to G even if he borrowed the above money from the victim.

Nevertheless, the Defendants conspired to induce the victim as above, thereby deceiving 6 million won from the victim.

The Defendants and the defense counsel’s arguments are essential at the time of each borrowing of the instant case.