User in Korea

Last updated: 2019. 04. 08

Terms and Conditions of Service

This terms and conditions is involved in you and Sodacrew Inc. (hereinafter referred to as "Company"), which is applied to the use of the SodaTransfer Service (hereinafter referred to as “Service”). If subscribing for the “Service”, you shall be deemed to read and agree on all the contents of this terms and conditions. This terms and conditions shall be provided for you in both Korean and English. Please check on whether you understand fully this terms and conditions after reading it carefully before using the “Service”. If you don't agree on it, you cannot use this service.

1. Relations with Customers

A. "Company" is the one that provides the remittance and settlement service between nations. The SodaTransfer Service is the service registered by the Company and is operated by Sodacrew Inc. (6F., VPLEX Bldg., 501, Teheran-ro, Gangnam-gu, Seoul (Zip code: 06168)) and Brite Inc. in USA, which is a subsidiary of Sodacrew Inc. (27848, Red Cloud Rd. Corona, CA 92883). B. Your Personal Information It is very important for the Company to protect your personal information. Please refer to the "Personal Information Processing Guidelines" regarding the contents of your personal information processing. C. Transaction History You may access to the remittance statement and other information related to your account if you log in to sodatransfer.com and click on the button of "My Page". D. Duplicate Account The "Company" has the right to refuse to create a duplicate account of the same user for identification of customers and security. In case of detecting a duplicate account, this Company has the right to close or merge such a duplicate account without notice.

2. Qualification Requirement for Using “Service”

You should be 18 and over in order to use this "Service" provided by the "Company". In addition to that, you should be a person who is able to guarantee yourself without the assistance of the third person. The third person should not act in behalf of you. You should go through a customer verification procedure before using this "Service". The "Company" may ask you documents i.e. a copy of I.D Card issued by the government (Resident Registration Card or Driver License etc.) through various ways like uploading it to the website or sending it by e-mail etc. to verify you. The "Company" complies with the obligations of "Know Your Customer" and "Anti-Money Laundering & Counter Terrorism Financing" for financial transaction according to the rational methods permitted by the system of each country for which this "Company" provides the service. For this purpose, this "Company" has the right to verify the information that you provide through the database of the government and the authorized 3rd agency.

3. Usage of "Service"

A. Type of Remittance Request I. Based on receiving money: Requesting for remittance after fixing the amount that the recipient will receive. II. Based on sending money: Requesting for remittance after fixing the amount that the sender will send. B. Submission of Remittance Request You should submit an on-line remittance request using your own user account. Although the information as below is generally required, it depends on countries. I. Remittance Currency and Remittance II. Legal Name of Sender III. Copy of I.D Card of Sender issued by the Government IV. Identification No. i.e. Sender’s I. D V. Residence Information of Sender VI. Contact Number of Sender (Mobile Phone, or E-mail) VII. Legal Name of Recipient VIII. Bank Account Information of Recipient The “Company” will give you a notice about it after completing the remittance request. Please, keep in mind of the fact that your remittance request will be processed after the “Company” secures money to be sent to the recipient. If you deposit in the virtual account that the “Company” provides, the deposit should be done within 24 hours from the remittance request time. If the remittance is delayed due to the delay of deposit by the user, the “Company’ doesn’t assume any responsibility for it. C. Remittance Period The time for the remittance to arrive at the recipient's account varies depending on the country, that is to say, it will take a few hours to a few days. The expected duration is displayed on the remittance request screen. As the above Section 3.B, it is the obligation of the “Company” that the money should be deposited in the recipient’s account within ETA. However, this “Company” cannot control or guarantee the time that takes in a recipient’s bank or a sender’s bank. In addition to that, the remittance request time is affected by this company’s security and customer identification policy. In case of needing an additional investigation or collecting information, the remittance may be delayed. D. Exchange Rate I. This “Company” makes reasonable efforts so that the “Service” exchange rate that this “Company” provides for you corresponds to the mid-market rate used in the global currency market. This “Company” doesn’t take any responsibility for the changing part caused by the change of the global currency market after fixing the remittance request. II. This “Company” never acquires any margin or spread according to the exchange rate. The exchange rate you receive exactly corresponds to the exchange rate that your opposite party (a recipient of remittance) sees. III. This “Company” guarantees the fixed exchange rate for 24 hours from the time you request for remittance at sodatransfer.com. If you don’t cancel such a transaction within the cancellation time, the money will be sent to the account of the recipient by using the fixed exchange rate even though the exchange rate in global currency market is changed in the interim. IV. If the money is deposited in the virtual account of this “Company” after 24 hours from the remittance request, the exchange rate is no longer fixed and will follow the Mid-Market Rate at the time when the money is deposited. V If the fluctuation of exchange rate of the transaction currency exceeds 3% per day due to war, war risks, natural disaster, financial crisis, economic crisis or unexpected accidents etc., this “Company” may cancel or suspend discretionally a transaction on relevant business day or a transaction between specific point in time for protecting the assets of you and this “Company” and providing stable service. E. Recipient’s Wrong Information Please, check the recipient’s information such as recipient’ name, bank name and bank account number etc. that you provide and maintain updated information thereof. In case of delaying, canceling the remittance or wrong sending to the third party due to the wrong information about the recipient that you provide, you are responsible for this. F. Remittance Refusal At the stage of verifying ‘Know Your Customer’ and ‘Anti-Money Laundering & Counter Terrorism Finance), this “Company” has the right to execute the Enhanced KYC such as requesting for additional information about you regarding suspicious transaction attempt. Furthermore, this “Company” has the right to refuse to remit or report to the third financial institutions such as the government and banks regarding suspicious transaction. G. Cancellation You yourself may cancel a transaction within the first 30 minutes from the point in time when you request for remittance. In case of passing 30 minutes after remittance request or in case where the remittance request is already fixed and enters the progress stage, it is impossible to cancel it. Refund of Remittance and Fee In case of delaying your remittance or not remitting your money due to the cause of the “Company” although there is nothing wrong with information related to the remittance application you provide this “Company”, this “Company” should refund the remittance and fees of the applicable case to you. Provided, however that if it falls under the below, the prescribed refund fee may be issued; I. In case of being impossible to receive due to problems of a recipient’s bank or bank account; II. (Only applying to remittance to Korea) in pursuance of the real-name financial transaction system in Korea that requires non-face -to face real name authentication of the recipient regarding the amount of remittance exceeding 1 million won, in case where the recipient fails to complete it for 14 days from the point in time when the recipient are initially required to verity his/her real-name; and III. In case of delaying the remittance or not remitting money due to other causes of a sender or a recipient. I. Your Obligation You are responsible for the exactness of the remittance request matters you provide. Once the “Company” executed the remittance to the recipient at your request, your remittance request cannot be cancelled, and the “Company” cannot take any responsibility for the subsequent results such as delay remittance, cancellation and wrong sending to the third party caused by such thing. If there are some problems in the process of your remittance transaction or if the amount isn’t accurately and exactly transferred, you should give a notice at support@sodatransfer.com promptly. You agree that you don’t use the service of this “Company” for the illegal activity and this “Company” has the right to investigate any and all suspicious activities including criminals in the remittance transaction and has the right to report the law violations. When investigating the law violation, this “Company” shall hold the right to provide information related to all transaction including personal information.

Personal Information Processing Guidelines

In pursuance of the Personal Information Protection Act, Sodacrew Inc. (hereinafter referred to as "Company") has the following guidelines in order to protect the personal information and right of users and deal with smoothly the matters from which users suffer related to personal information. If amending the personal information processing guidelines, the "Company" will post it on the website (or give a notice about it separately). This guideline shall be enforced on Mar. 01, 2019.

1. Purpose of Processing Personal Information

This "Company" shall use personal information for the following purposes. The personal information shall not be used for any purpose other than the following purposes. If the use purpose is changed, this "Company" will ask for the prior consent from you. A. Membership Registration and Management on the Homepage The personal information shall be used for; checking the intention of joining membership, personal identification, maintenance and management of membership, preventing from illegal use of service, various kinds of notices and announcements and keeping records for adjusting disputes etc. B. 'Know Your Customer' and Anti-money Laundering (AML) / Counter Terrorism Financing (CTF) This "Company" complies with the obligations of 'Know Your Customer' and Anti-money Laundering (AML) / Counter Terrorism Financing (CTF). Therefore, this "Company" uses personal information for the purpose of personal identification, authentication, illegal and suspicious transaction monitoring and records retention for relevant reporting etc. to keep the obligation. C. Complaints Processes This "Company" shall use personal information for the purpose of identifying a complainant, checking complaints, contacting and notifying for fact investigation and giving a notice about the disposal result etc. D. Provision of Service This "Company" shall use personal information for the purpose of providing service, sending an invoice, providing contents and customized service, personal identification, age certification and settlement etc. E. Marketing and Advertisement This "Company" shall use personal information for the purpose of developing new service (products), providing customized service, events and commercial information, participation opportunity, and service according to the demographic features, posting on an advertisement, verifying service effectiveness, figuring out the access frequency and statistics of members' using service etc.

2. Personal Information Provided to a Third Party

This "Company" uses personal information of an information holder within the scope as stated by the item 1 (Purpose of Processing Personal Information) and provides personal information to a third person only in case of being applicable to Article 17 and 18 of the Personal Information Protection Act: in case where the consent is obtained from the information holder and in case where there are special legal provisions etc.

3. Status of Personal Information File

Personal Information I. Items of Personal Information: log-in ID, name, gender, date of birth, mobile number, e-mail, current residence address, , home telephone number, password, question and answer about password, company name, title, company telephone number, occupation, department, anniversary, copy of I.D Card ( type of I.D. Card, issuing country, Issuance agency, Issuance date and expiry date etc.), personal unique identification no. (one or more out of resident registration no., driver license no., foreigner registration no. and passport no.), bank account information, an opposite party( recipient)’s bank account information, settlement record, access IP information, cookie, transaction record such as use of the service and remittance transaction etc., access log and mobile phone number, residence address and name of a legal representative II. Collection Method: Collecting through the generated information tool. III. Ground for Holding Information: Consent of an information holder; IV. Holding Period: Permanence V. Related Laws and Regulations: Records about consumer’s complaints or disputes settlements; 3 years, record about collection, processing and use of credit information: 3 years, record about price settlement and provision of goods etc.: 5 years, records about contract or subscription withdrawal: 5 years, and record about representation /advertisement: 6 months

4. Right and Obligation of an Information holder and Exercising Method

A user may exercise the right as following as an information holder. A. An information holder may exercise his/her right related to personal information protection to Sodacrew Inc. at any time as follows. I. To request for reading of personal information II. To request for correction of personal information if there are some errors etc. III. To request for deletion of personal information IV. To request for suspension of the process of personal information thereof B. An information holder may exercise the right as stated in the item A to the "Company" in writing, by electronic mail or facsimile etc. using the annexed form no. 8 of the Enforcement Rules of the Personal Information Protection Act and the "Company" should take actions to it without delay. Provided, however that if the "Company must keep the personal information continuously in accordance with the related laws and statutes such as Foreign Exchange Transaction Act, the "Company" transfers the concerned personal information to another database or keeps it in a different place and then destroys it after keeping it only for the period of time set by the law. C. In case where an information holder request for correcting or deleting the wrong personal information, the "Company" doesn’t use or provide the concerned personal information till it is corrected or deleted completely. D. An Agent such as a legal representative of an information holder or delegated person may exercise the right as stated in the item A. In this case, the power of attorney by the annexed form no. 11 of the Enforcement Rules of the Personal Information Protection Act should be submitted to the "Company".

5. Creation of Items for Personal Information to Be Processed.

The "Company" processes the items of the following personal information. A. Membership and Management of Homepage Related items: log-in ID, name, gender, date of birth, mobile number, e-mail, current residence address, home telephone number, password, and question and answer of the password. B. 'Know Your Customer' and Anti-money Laundering (AML) / Counter Terrorism Financing (CTF) Related items: log-in ID, name, gender, date of birth, mobile number, e-mail, current residence address, home telephone number, password, question and answer about password, company name, title, company telephone number, occupation, department, anniversary, copy of I.D Card ( type of I.D. Card, issuing country, issuance agency, issuance date and expiry date etc.), personal unique identification no. (one or more out of resident registration no., driver license no., foreigner registration no. or passport no.), bank account information, an opposite party( recipient)’s bank account information, settlement record, access IP information, cookie, record of service use and remittance transaction etc., access log. C. Complaints Processes Related items: log-in ID, name, gender, date of birth, mobile number, e-mail, current residence address, home telephone number, password, question and answer about password, company name, title, company telephone number, occupation, department, anniversary, copy of I.D Card ( type of I.D. Card, issuing country, issuance agency, issuance date and expiry date etc.), personal unique identification no. (one or more out of resident registration no., driver license no., foreigner registration no. or passport no.), bank account information, an opposite party( recipient)’s bank account information, settlement record, access IP information, cookie, record of service use and remittance transaction etc., access log and a mobile phone number, residence address and name of a legal representative. D. Service Provision Related items: log-in ID, name, gender, date of birth, mobile number, e-mail, current residence address, home telephone number, password, question and answer about password, company name, title, company telephone number, occupation, department, anniversary, copy of I.D Card ( type of I.D. Card, issuing country, issuance agency, issuance date and expiry date etc.), personal unique identification no. (one or more out of resident registration no., driver license no., foreigner registration no. or passport no.), bank account information, an opposite party( recipient)’s bank account information, settlement record, access IP information, cookie, record of service use and remittance transaction etc., access log. E. Use in Marketing and Advertisement Related items: log-in ID, name, gender, date of birth, mobile number, e-mail, current residence address, home telephone number, company name, title, company telephone number, occupation, department, anniversary, settlement record, access IP information, cookie, record of service use and remittance transaction etc., and access log

6. Destruction of Personal Information

This "Company" destroys the concerned personal information without delays when no longer needing personal information as follows; accomplishing the purpose of collecting and using personal information; elapsing the period of holding and using the personal information; and closing the business etc. Provided, however that in case where the "Company" should hold personal information continuously according to the related laws and statutes such as the Foreign Exchange Transactions Act etc. even though the period of holding the personal information about an information holder is passed or the purpose of collecting and using the personal information is accomplished, the "Company" transfers such concerned personal information to a separate database or keeps it in other place for the period set by the laws and statues and then destroys it. A. Destruction Procedure The information that the user entered is transferred to a separate database after attaining its purpose (a separate document in case of paper) and is destroyed immediately or after being kept for a certain period set by the internal policy and other related laws and statues. In this case, the personal information transferred to a separate database is never used for the other purpose except the cases stipulated by the laws. B. Destruction Period The user’s personal information is destroyed within 5 days from the end date of the holding period in case of completing the period of holding personal information or within 5 days from the day when the personal information is recognized as unnecessary for processing such personal information in case of accomplishing the purpose of processing the personal information, abolishing the concerned service and service termination etc. C. Destruction Method With respect to information in the form of electronic files, this "Company" uses a technological method to prevent the record from being recovered. The personal information printed on paper is shred using a Shredder or is incinerated.

7. Taking Measures on Securing Safety of Personal Information

A. Minimalizing Employees Handling Personal Information and Employee Training This "Company" designates the employees to handle personal information and minimalizes employees available to access to such personal information. makes only such employees treat it. B. Regular Self-inspection In order to secure safety related handling personal information, this "Company" performs the Self-inspection regularly (Once a quarter). C. Establishment and Enforcement of Internal Management Plan This "Company" establishes and enforces the internal management plan in order to process personal information safely. D. Encryption of Personal Information This "Company" encrypts, keeps and manages the password of a user’s personal information. Therefore, the user himself/herself knows it. This "Company" uses additional security functions for significant data such as encryption of the files and transmission data or file locking. E. Technical Measures Against Hacking This "Company" installs the security programs to prevent personal information leakage and damage caused by hacking or computer viruses etc. and updates or checks it regularly. Furthermore, this "Company" installs the system in the area where the external access is controlled and monitors and blockades it technically and physically. F. Access Restriction to Personal Information This "Company" takes necessary measures to control access to personal information through granting, modifying, and deleting the access rights to the database system processing personal information. This "Company" prevents unauthorized access from outside by using an intrusion prevention system. G. Record-keeping and Forgery Prevention This "Company" keeps and managed the records of accessing to the personal information processing system at least over 6 months and uses security facility lest that the access record is forged, altered, stolen and lost. H. Use of Locking Devices for Document Security This "Company" keeps the documents and auxiliary storage medium etc. contained personal information in a secure location with locking devices. I. Unauthorized Access Control This "Company" has a physical place separately to keep personal information and builds and operates the access control procedure

8. Appointment of Personal Information Security manager

A. The "Company" takes the overall responsibility for personal information processing work and appoints a personal information protection manager for a complaint process filed by an information holder and damage relief etc. as below; Personal Information Security Manager Name: Jaehoon Kim Contact No.: support@sodatransfer.com B. Any information holder may inquire of a personal information security manager or the department about the matters on complaints processes and damage relief in relation to personal information protection occurred while using the service (or business) of the "Company". This "Company" will answer and handle an information holder’s inquiry without delay.

9. Change of Personal Information Processing Guidelines

This personal information processing guidelines are applied from the enforcement date. In case of adding, deleting and amending its contents caused by the laws and the guidelines, this "Company" will give a notice about the changing details 7 days prior to the enforcement.

Small Foreign Remittance Service Terms and Conditions

Sodacrew Inc.

Article 1 (Application Scope)

This terms and conditions shall be applied to customers (hereinafter referred to as "Customers) who use the small foreign remittance service (hereinafter referred to as "Service") provided by Sodacrew Inc. (hereinafter referred to as "Company"). Article 2 ( Real Name Transaction) A customer should transact with his/her real name when using the small foreign remittance service. In case where the "Company requests for necessary materials such as a certificate of verifying real name etc. to identify his /her real name, the customer shall comply with it. Article 3 ( Remittance Limit) A customer may remit money using this service within limits of : 1. USD 3,000 in remittance and receipt separately; and 2. USD 30,000 in annual remittance and annual receipt separately Article 4 ( Designated Account) ①. It is the account to be used by the small foreign remittance service. A "Company" should remit or receive money to or from a customer only through the account opened by a financial company designated account at the time when the small foreign remittance service is registered (including the change registration). ②. The "Company" should post the designated account of the provision 1 on the company’s homepage etc. and update and manage it. Article 5 ( Fees ) ①. A "Company" should classify the fees that customers should bear when using the service of the "Company" (hereinafter referred to as "Fees") by item i.e. fee for exchange, remittance charge, and payment commission to a foreign partner etc. and provide customers with its detailed statement. ②. The "Company" should post the fees on the company’s homepage etc. and update and manage them. Article 6 ( Applied Exchange Rate) ①. The "Company" should provide customers with the details about the exchange rate applied to them in case where the "Company" receives the service application from a customer. ②. The "Company" should post the details about the exchange rate applied to customers on the company’s homepage etc. and update and manage them. Article 7 ( Amount Paid and Received ) ①. If a customer who applies this service deposits money to the designated account, a "Company" should remit money to the recipient designated by a customer after deducting the fees from it. ②. In case of receiving the service application from a customer, the "Company" should provide the customer with the details about amounts in Won or US dollar that the customer pays or receives. Article 8 (Required Time) ①. In case of receiving the service application from a customer, the "Company" should provide the customer with the details about the expected period required in payment and receipt. ②. When a customer uses this service, the "Company" should post the details about the expected period required in payment and receipt on the company’s homepage etc. and update and manage them. Article 9 (Change and Cancellation of Remittance) ①. With respect to the case where the remittance processing isn’t completed, namely, when money isn’t completely sending to the account of a recipient after the customer applies for the service, a customer may apply for change or cancellation to the "Company" by phone, electronic mail or by visiting a business branch in person. Provided, however that with respect to the case where the remittance processing is completed such as normal deposit to the account of a recipient, the customer cannot apply for change or cancellation. ②. When the "Company" receives the request for change or cancellation regarding the remittance application from a customer, the "Company" should handle the concerned request and give a notice of the result to a customer. Article 10 (Notice about Remittance Result) In case where the remittance is completed, namely, the money arrives at the account of the recipient, the "Company" should give a notice of its result to the customer immediately using the contact information that the customer registered previously. Article 11 (Compensation for Damage) In case where there is damage incurred to a customer due to the reasons attributable to the "Company", the "Company" should take responsibility for compensation for damage. The scope of compensation for damage includes general damages as provided by the Civil Act and when comes to the damage caused by a special circumstance, the company takes responsibility for the damage as long as it knows or could have known such a circumstance. Article 12 (Refund) ①. In case where the remittance isn’t completed within 15 days from the day of depositing to the designated account without the reasons attributable to a customer after the customer’s applying for the service, the customer may apply for the refund to the " Company". ②. In case where the company receives the refund application of the provision 1 from a customer, the "Company" should pay the customer the money that the customer deposits to the designated account and the damage etc. as stated in the Article 11 (Compensation for Damage). Article 13 ( Dispute Settlement Procedure) ①. The "Company" should prepare the matters about the procedure for damage (hereinafter referred to as ‘ Dispute Settlement Procedure’) for the purpose of reflecting reasonable opinions and complaints raised by customers related to the small foreign remittance business and compensating for the damage incurred to the customer related to the small foreign remittance business. ② The "Company" should provide customers with the matters about how to submit the dispute(including the person in charge of processing disputes and a statement of designating the person in charge and his/her contact number), dispute settlement procedures (which are categorized into simple complaints and compensation for damage) and notice to a customer about the dispute settlement result etc. ③. When a customer has an objection to the small foreign remittance transaction, he /she may ask the dispute settlement department (a person in charge of processing disputes and person in charge) to solve it and the "Company" should investigate it and give a notice of the result to the customer within the processing period as stated in the provision 2. ④. The "Company’ posts the matters about the person in charge of processing disputes and a statement of designating the person in charge and his/her contact number on the company’s homepage and updates and maintains them. Article 14 (Preservation of Transaction Record) The "Company" should keep the record of payment and receipt transaction with customers for 5 years pursuant to the Foreign Exchange Transaction Act etc. Article 15 ( Confidentiality ) ①. The "Company" should not provide, disclose or use ‘any and all customer information that the "Company" obtains through fulfilling the small foreign remittance business such as customers’ personal information, account information, contents of remittance transaction and date about the performance’ (hereinafter referred to as " Customer Information") to the third person without the consent of customers for the purpose other than the business purpose except as provided by the applicable laws. ②. If the "Company" violates the provision 1 due to the reason attributable to the company such as management negligence or if the customer information is stolen or leaked, the "Company" takes responsibility for compensation for the damage incurred to a customer. Provided, however that if the "Company" establishes the absence of intentional purpose or negligence, the "Company" is relieved from the responsibility. Article 16 (Delivery and Explanation of Terms and Conditions) ①. If the "Company" decides or changes the terms and conditions, it should announce it on the internet homepage and when the "Company" makes a contract related to the small foreign remittance business with a customer, it should specify the terms and conditions. ②. The "Company" should deliver the copy of the terms and conditions to a customer in the way of electronic transmission (including e-mail), by facsimile, by mail or in person. ③. In case where a customer requests for explanation about the contents of the term and conditions, the "Company" should explain them to the customer by one of the following methods as provided by each subparagraph: 1. To explain the critical contents directly to a customer; and 2. To mark the critical contents through the electronic method to help customer to understand easily and to receive the opinion that the customer fully understood it through the electronic method. Article 17 ( Provision Applicable Mutatis Mutandis) With respect to the matters not provided by this terms and conditions, they shall be according to the Foreign Exchange Transaction Act etc. Article 18 (Jurisdiction) In case of being disputes related to this transaction, it shall be settled by the bilateral agreement in principle. However, if the lawsuit related to this transaction is filed due to failure of arriving at the agreement, or being unable to come to agreement between parties, the jurisdiction shall be according to the Civil Procedure Act.

Complaints and Dispute settlement

Chapter 1 Overview

Article 1 (Purpose) The purpose of this complaint and dispute settlement procedure is to reflect the reasonable opinion or complaints filed by customers pursuant to Article 13 (Procedure for Dispute Settlement) of the Small Foreign Remittance Service Terms and Conditions of Sodacrew Inc. and to establish and operate the procedure of the compensation for damages incurred to the customer related to the Small Foreign Remittance Business. Article 2 ( Definition of Terms) 1. "Company" means Sodacrew Inc. 2. "Customer" means a person who uses the Small Foreign Remittance Business of Sodacrew Inc. 3. "Customer Complaint" means the reasonable opinion or complaints filed by customers and includes all inconveniences caused while using the service. 4. "Dispute" means any and all kinds of objections filed by customers regarding the process of Small Foreign Remittance Transaction. 5. "Compensation for Damage" means the compensation for damage incurred to the customer related to the Small Foreign Remittance Transaction due to the reasons of being ascribed to the "Company.

Chapter 2 Customer Complaints Processing

Article 1 ( Customer Complaint Processing Procedure) 1. Person in charge of processing customer complaints : The person in charge of "customer complaints" i.e. receipt and handling etc. of customer complaints shall be appointed as a manager of each market area of the Customer Service Team(CS Team). 2. Customer Complaint Processing Procedure 1. Collection of Customer Complaints: A "Customer" may file the "customer complaint" by calling the language support customer service center as below within the business time of the "Company".
Korean /English / Vietnamese language :070-4349-0013
2. Reflection of Customer Complaints: "Customer Complaint" filed by a customer shall be handled by a manager in charge of each market within the information access authority through the web server's administrator account. Provided, however that in case where he/she handles a "Customer Complaint" beyond his/her access authority, it shall be handled by Chief Technology Officer (CTO) with the information access authority. 3. Notice about the Result of Customer Complaint Processing: The manager in charge of the concerned customer complaint notifies the user who filed a complaint about the result of complaint processing by written and electronic means. The time when the complainant receives such a notice of the result from the "Company" shall be deemed to end of the processing.

Chapter 3 Sodacrew’s Dispute Settlement

Article 1 Dispute Mediation Committee 1. Purpose of the Dispute Mediation Committee: The purpose is that the committee shall investigate and solve the concerned problems so as that the user solves it smoothly when a dispute happens pursuant to Article 13(3) (Procedure for Dispute Settlement) of the Small Foreign Remittance Service Terms and Conditions of Sodacrew Inc. 2. Composition of Dispute Mediation Committee: Sodacrew’s Dispute Mediation Committee comprises Chief Executive Officer(CEO), Chief Technology Officer(CTO), and Chief Information Security Officer. 3. Person Responsible for Disputes : LEE, YUN SE (CEO) 4. Person in Charge of Disputes : KIM, JAEHOON (CTO) (Contact No. :070-4349-0013) Article 2 Dispute Mediation and Procedures for Damage 1. Existence of Disputes and Application for Disputes Settlement The dispute mediation raised by the damage of personal information may be applied by an applicant or his /her agent on the website, by mail, by fax or in person. And the applicant may apply for the dispute mediation in a consultation related to infringement of personal information or in the process of handling the case reported. Once the application for dispute medication is received, the "Company" notifies the applicant that it is accepted. 2. Dispute Fact Relevance Investigation The person in charge of treating a dispute investigates the fact about the dispute by collecting materials using various means such as telephone, mail, electronic mail, or fax etc. Once such a fact investigation is completed, he/she prepares the Fact Investigation Report based on the above investigation and refers this case to the committee. 3. Recommendation of Agreement Before Mediation Sodacrew’s Dispute Mediation Committee may advise parties to agree to solve this dispute amicably by their own efforts between parties before the mediation. If parties arrive at the agreement according the recommendation of agreement, this case is terminated. 4. Commencement of Mediation Procedures by Sodacrew’s Dispute Mediation Committee If the parties fail to settle the dispute before the mediation, the mediation procedures commences through the committee. If the mediation procedures proceeds, the committee present a reasonable mediation plan to the bilateral parties through the necessary procedures such as hearing of parties’ opinions, collecting of proofs and professional advice etc. and recommend the parties to accept it. In this case, the applicant of the case may appear to the meeting of the committee and state his/her views. If the applicant no longer wants the mediation due to amicable agreement etc. while the mediation procedure is proceeding, the applicant may withdraw the mediation application. 5. Completion of Mediation In case where the applicant accepts the mediation decided by the Sodacrew’s Dispute Mediation Committee and the mediation is completed, the agreement (Contract of Compromise under the Common-law) corresponding to the Mediation Plan is deemed to be made between the bilateral parties. 6. Effectiveness and Compensation for Damage In case where the applicant accepts the mediation decided by the Sodacrew’s Dispute Mediation Committee and the mediation is completed, the settlement (Consent Judgment) corresponding to the Mediation Agreement is deemed to be made between the bilateral parties. The "Company" compensates for damage to the applicant regarding the damage under the Article 11 of the Small Foreign Remittance Service Terms and Conditions of Sodacrew Inc. 7. Notice about the Result of Dispute Settlement With respect to the dispute settlement result, the Sodacrew’s Dispute Mediation Committee gives a notice of the result to the applicant in writing or in the way of electronic means where the applicant consents. The time when the applicant receives the notice sent by the "Company" shall be deemed to end the dispute settlement and the processing period where the "Company’ fulfills the processing result shall be one (1) month.