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. In comparison with the judgment of the court below, there is no change in the sentencing conditions, and the lending of the access medium for electronic financial transactions can be used as a means of other crimes, and considering the fact that the access medium in this case is used as a means of crime, and all of the sentencing conditions such as the defendant's age, sex, environment, circumstances and result of crime, etc., 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.