The defendant's appeal is dismissed.

1. In light of the fact that the principal and interest were partially repaid out of the summary of the grounds for appeal by the victim J, the defrauded for E, and the Defendant’s mistake, etc., the sentence imposed by the lower court (three years of imprisonment) is too unreasonable.

2. Taking into account the circumstances alleged by the Defendant, the amount of damage caused by the act of deceitation of this case reaches KRW 44,30,000,000,000,000,000,000 for each of the crimes against victims C, J, and L, with employment loan, and the method and nature of the crime is not good, and the Defendant did not reach agreement with the victims up to the trial, and only partially repaid the amount of damage to the victim J and E, the Defendant did not state specific details of use, and the Defendant did not state other conditions of sentencing as specified in the records and arguments, including the character, conduct, and environment of the Defendant, etc., the Defendant’s above assertion is without merit.

3. In conclusion, the defendant's appeal is dismissed as it is without merit. It is so decided as per Disposition.