The defendant's appeal is dismissed.

1. The summary of the grounds for appeal (e.g., a fine of three million won) of the lower court is too unreasonable.

2. The Defendant is deemed to have transferred money on condition of receiving money with the knowledge that his passbook, check card, etc. will be used for a crime. The nature of the crime is not good, the transfer of the means of electronic financial transactions is likely to be abused for a secondary other crime, and thus there is a high need to strictly punish an unspecified number of victims. The Defendant’s passbook, etc. is actually used for a crime and the victims occur, taking full account of equity with sentencing of other cases similar to the instant crime, the Defendant’s age, character and conduct, motive, means and consequence of the crime, and other various sentencing conditions indicated in the instant case, such as the following circumstances. Thus, the Defendant’s argument is without merit.

3. In conclusion, the defendant's appeal is dismissed in accordance with Article 364 (4) of the Criminal Procedure Act since it is without merit. It is so decided as per Disposition.