All appeals by the defendant and the prosecutor are dismissed.

1. The summary of the grounds for appeal (unfair sentencing) by the court below is too heavy (4 million won) or is too heavy (the defendant) and (the prosecutor).

2. The court below did not change the circumstances on the grounds of sentencing and the circumstances after the court below, and the facts charged in this case are merely lent without transferring the passbook of the defendant as alleged in the grounds of sentencing unfair reasons, but the illegality of lending the media using electronic financial transaction access and the illegality of transferring it does not differ from the act of transferring it. In full view of all the sentencing conditions in the records and arguments of this case including the fact that the defendant knew of the illegality and lent it, the sentence imposed by the court below is deemed appropriate, and it does not seem unfair because it is too heavy or uneasible. Thus, the argument by the defendant and the prosecutor is without merit.

3. In conclusion, since the appeal by the defendant and the prosecutor is without merit, all of them are dismissed in accordance with Article 364(4) of the Criminal Procedure Act. It is so decided as per Disposition.