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

1. On March 2017, the criminal defendant against the victim B made a false statement to the victim B that “If the victim B had an urgent work in his/her house and lent KRW 3,00,000 to the victim B, he/she would have an interest of KRW 100,000 per three copies per month.”

However, the Defendant merely borrowed money from other persons without any particular income or property, and paid the living expenses, card bills, etc. by so-called “refluence” method, so there was no intention or ability to repay the money even if he borrowed the money.

The Defendant received 3,00,000 won in cash from the victim for the same day as the loan money.

2. On August 29, 2017, the Defendant made a false statement to the victim D that “I would pay four (4) interest if I would pay 5,00,000 won if I would use the money, and would pay I would pay I would pay I would pay I would pay I would pay I would pay I would pay.”

However, the Defendant merely borrowed money from other persons without any particular income or property, and paid the living expenses, card bills, etc. by so-called “refluence” method, so there was no intention or ability to repay the money even if he borrowed the money.

The Defendant received a total of KRW 11,00,000,000 from the victim to June 13, 2019, in total, three times as shown in the annexed Table 1.

3. Around June 7, 2019, the criminal defendant against the victim E made a false statement to the victim E that “The victim would have paid KRW 1,000,000,000 as he/she has to use it in an urgent manner.”

However, the Defendant merely borrowed money from other persons without any particular income or property, and paid the living expenses, card bills, etc. by so-called “refluence” method, so there was no intention or ability to repay the money even if he borrowed the money.

The defendant shall be the victim's borrowing from the victim on the same day.