The defendant's appeal is dismissed.

1. The main point of the grounds for appeal is that the lower court’s punishment (4 million won of fine) is too unreasonable.

2. In full view of the circumstances favorable to the Defendant, including the fact that the Defendant confessions all of the instant crimes, the amount of fraud damage, and the fact that there is no record of criminal punishment other than the fine imposed twice due to the violation of the Road Traffic Act, the fact that there is no record of criminal punishment, etc., on the other hand, in light of the circumstances favorable to the Defendant, including the fact that the crime is not good, the frequency of the crime is not considerable, the damage is not recovered or is not agreed with the victims, and other various sentencing conditions specified in the records and arguments, such as the Defendant’s age and behavior environment, the circumstances before and after the crime, etc., are considered as being too unreasonable.

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.