The defendant's appeal is dismissed.

1. The sentence of the lower court (a fine of three million won) against the Defendant on the summary of the grounds of appeal is too unreasonable.

2. In full view of the following: (a) the transfer of the means of access to electronic financial transactions undermining the trust and security of financial transactions and that the means of access can be used as a means of various crimes, such as financial fraud; (b) the Defendant again committed the instant crime without being aware of the fact that the passbook, etc. transferred by the Defendant was being tried for the same kind of crime; (c) the Defendant was actually used for financial fraud; and (d) the Defendant’s age, character and conduct, the background and consequence of the instant crime; and (e) all of the sentencing conditions in the instant pleadings, such as the circumstances after the crime, are considered, even if considering the circumstances of the Defendant’s assertion

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.