The defendant's appeal is dismissed.

1. The main point of the grounds for appeal is that the lower court’s punishment (three million won of fine) is too unreasonable.

2. In full view of the following circumstances: (a) the Defendant’s mistake is against himself/herself; (b) economic situation is difficult, living conditions are expected to lead to the instant crime; and (c) the act of lending the means of access in electronic financial transactions is favorable to the Defendant; (b) the act of lending the means of access not only undermines the security and reliability of financial transactions but also requires strict punishment; (c) the means of access provided by the Defendant has been actually abused in the crime; and (d) other circumstances that are conditions for sentencing, such as the Defendant’s age, character, character, character, intelligence and environment, motive, background, means, method, and consequence of the crime; and (e) the circumstances before and after the crime, it is not recognized that the lower court’s punishment is too unreasonable

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