The customers had since been reimbursed by Westpac.
Crown lawyer Geraldine Kelly said Kemp's crimes were "calculated and premeditated".
She said Kemp chose her elderly victims, knowing they were vulnerable.
"She made an effort to become friends with them to gain personal details from them to do this. They considered her a close friend.
"They were vulnerable in the sense they had no reason not to trust the defendant, her position lead to them automatically trusting her."
Defence lawyer Douglas Ewen said Kemp was living a life of "self-contained misery".
He said her motive was not greed but a desperate act of chasing losses to repay the money she had already taken from her customers.
He said she was aware of her actions and was remorseful. Kemp had since cashed in her assets in an attempt to pay back Westpac, and taken part in restorative justice.
Judge Morris said Kemp used the money she took to inflate a comfortable lifestyle.
Judge Morris said her victims, particularly the two who were friends, felt a "painful sense of betrayal and loss".
"They could not believe you had done that to them."