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And is a mobile app that combines local currencies issued by local governments. The local currencies, which are available through the app, take the form of prepaid rechargeable cards that can be used within the designated areas. They serve as a means of providing welfare benefits to local residents, incentivizing local economic activity, and supporting discounts for payments at small businesses according to local policies.

And offers a convenient card-style local currency, the "Local Currency Card", which can be applied for and used through the app without the need for complex bank account opening or visits to the bank. The issued card can be recharged anytime, anywhere through the mobile app, and can be conveniently used for payments at all participating merchants within the area. The app also provides an easy way to check transaction history. Please note that usage may be restricted at department stores, large supermarkets, and some other excluded businesses to enhance the competitiveness of small businesses.

The following local currencies are currently available for use on And:

• "Hongsung Love Card" from Hongsung County, South Chungcheong Province
• "Samcheok Love Card" from Samcheok City, Gangwon Province
• "Donghae Pay" from Donghae City, Gangwon Province
• "Goseong Love Card" from Goseong County, Gangwon Province
• "Inje Dream Card" from Inje County, Gangwon Province
• "Hyangsu OK Card" from Okcheon County, North Chungcheong Province
• "Kimcheon Love Card (Kimcheon Love Pay)" from Gimcheon City, North Gyeongsang Province
• "Gyeongsan Love Card" from Gyeongsan City, North Gyeongsang Province
• "Yeonggwang Love Card" from Yeonggwang County, South Jeolla Province
• "Yeongwol Bright & Good Card" from Yeongwol County, Gangwon Province
• "Uiseong Love Card" from Uiseong County, North Gyeongsang Province
• "Eumseong Happy Pay" from Eumseong County, North Chungcheong Province
• "Tantan Pay" from Taebaek City, Gangwon Province
• More local currencies will be added in the future.

By using the local currency recharge and payment services on And, users can receive incentives that can be used as cash at the time of payment. The specific rate and method of providing incentives vary depending on the policies and issuance scale of each local government.

If you are eligible for welfare policies, you can receive policy-issued funds through the And card provided by your local government.

When you sign up as a member, you can agree to the year-end settlement terms or apply for automatic income deductions. Once you agree to these conditions or apply for deductions through the pop-up menu or the "Income Deductions Application" in the "Settings" menu, your card will be registered and the income deductions will be applied simultaneously. (If you already have a registered card, income deductions will be applied retrospectively from the registration date for all payment records.)

The operation company of the local currency service provided through And is Kona Co., Ltd.

If you have any questions or encounter any issues while using the app, please contact our customer center at the following:

And Customer Center: 1811-6663 (Weekdays 09:00-18:00)

Access Permissions:

• Installed App (Required): To verify the installation of apps necessary for secure electronic financial transactions.
• Phone (Required): To verify the consistency of the phone number and user.
• Notifications (Optional): To provide transaction notifications.
• Camera (Optional): To read barcodes/QR codes/identification card information.
• Contacts (Optional): To facilitate quick input through phone contacts.
• Location (Optional): To provide location-based guidance.
• Draw over other apps (Optional): To display authentication numbers on the screen.
• Microphone (Optional): For voice input in chatbot inquiries.

* Note on App Access Permissions:

• In order to use the And app, you must agree to the required access permissions.
• The access permissions for optional items are used for a better app experience. Even if you do not allow optional items, you can still use the service except for those specific features.
• The required and optional access permission items may vary depending on the device model.

* If installation or upgrading is not completed, please delete the app or reset the data and try again.