The defendant's appeal is dismissed.

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

2. The rationale behind the Defendant’s confession and reflect on the crime is that the Defendant is favorable to the Defendant.

On the other hand, the fact that the cash card, etc. transferred by the defendant was used for the crime of fraud, causing considerable monetary damage to the victim, and that there is a need to strictly punish the crime in accordance with the intelligence trend of the crime such as related loan fraud, and that there is a history of punishment several times for this crime, etc. that are disadvantageous to the defendant.

In addition to the above various circumstances, comprehensively taking account of the sentencing conditions indicated in the instant case, such as Defendant’s age, occupation, motive, means and consequence of the commission of the crime, the lower court’s punishment is 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.