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 judgment defendant lending the passbook, physical card, etc. of the bank account of this case on condition that 1,80,000 won per account will be used for the crime. The nature of the crime is not good. The lending of the means of access to electronic financial transactions is abused for the second other crimes, so there is a high risk of causing an unspecified number of victims, and there is a need to strictly punish the relevant crimes according to the intelligentness trend of Bosing. It is fair with sentencing for other cases similar to the crime of this case, there are two criminal records of suspended execution, and considering all the sentencing conditions of this case, including the defendant's age, character and conduct, motive, means and consequence of the crime, circumstances after the crime, etc., the defendant's assertion 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.