The defendant's appeal is dismissed.

1. The main point of the grounds for appeal is that the lower court’s punishment (3 million won in penalty) is too unreasonable.

2. The act of lending an access medium for electronic financial transactions can be used as a means of another crime after impairing the safety and reliability of the electronic financial transaction and using it as a means of another crime. The actual use of the access medium leased by the defendant was committed by fraud, the defendant has been punished several times, the defendant's age, sex, environment, circumstances of crime, circumstances after crime, etc. are considered in light of all the sentencing factors indicated in the argument of this case, such as the defendant's age, sex, and conduct, circumstances after crime, the sentence of the court below is too unreasonable

The defendant's argument of sentencing is without merit.

3. In conclusion, the defendant's appeal is dismissed in accordance with Article 364 (4) of the Criminal Procedure Act on the grounds that the defendant's appeal is without merit.