The defendant's appeal is dismissed.

1. The summary of the grounds for appeal is as follows: (a) the Defendant borrowed money from the victim E; (b) the Defendant merely failed to repay the money due to a lack of financial standing; and (c) the Defendant had the intent and ability to repay the money at the time of borrowing the money; and (d) there was no intention to obtain money from

2. The lower court determined as follows: (a) on August 15, 2012, the Defendant: (b) borrowed 2.5 million won from the victim E, a credit service provider, to the effect that “the Defendant has an existing obligation of KRW 2,140,00,000,000,000,000 as stated in a credit information summary statement; and (c) can fully repay the obligation with LG electronic’s pay and bonus; and (d) agreed to pay 2.5 million won from the victim up to October 31, 2012, the Defendant paid interest only four times until October 31, 2012, which is the agreed due date for payment; (b) the Defendant did not fully repay the borrowed principal under the pretext of the agreement; and (c) the Defendant had an excessive burden on the credit card company, loan company, and credit service provider to raise funds for mother’s medical treatment, family life expenses, etc. at the time of borrowing money from the victim; and (d) the Defendant, as the Defendant, on June 18, etc.

On the other hand, fraud is another person.