The defendant's appeal is dismissed.

1. The summary of the grounds for appeal (unfair sentencing) by the lower court is too unreasonable as the sentence (3 million won in penalty) imposed by the lower court is too unreasonable.

2. The lending of an access medium for electronic financial transactions needs to be strictly punished because it may impair the safety and reliability of the electronic financial transaction and be used as a means of other crimes. The Defendant has been punished several times due to the crime of this kind, and the Defendant has experience of being suspended of indictment due to a similar act on April 2014, taking into account the motive and background leading up to the crime, circumstances leading up to the crime, Defendant’s career, sexual behavior, environment, etc. and all of the sentencing conditions shown in the pleadings, even if considering the Defendant’s economic situation, etc., it cannot be said that the lower court’s punishment is undue.

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. It is so decided as per Disposition.