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COZY HOUSE Prepaid CardTerms and Conditions

Article 1 (Purpose)

These Terms and Conditions set forth the rights and obligations of COZY HOUSE KOREA Co., Ltd. (the "Company") and any holder (the "Customer") of a COZY HOUSE Prepaid Card issued by the Company (the "Prepaid Card"), together with other matters necessary for the Customer's use of the Prepaid Card.

Article 2 (Definitions)

"Prepaid Card": A bearer prepaid electronic payment instrument issued in electronic card form that stores a specified monetary value electronically and enables a Customer to receive goods or services in accordance with the value and other information recorded on the instrument by presenting, delivering, or otherwise using it at a Store.

"Store": A location that has entered into an affiliation agreement with the Company and is authorized to accept the Prepaid Card.

"Top-Up": The addition of value to the balance of a Prepaid Card using a payment method designated for that purpose.

"Payment": The purchase of goods or services at a Store using the balance of a Prepaid Card.

"Refund": The payment of the balance of a Prepaid Card to a Customer in accordance with the Company's policies and procedures.

Any matters not covered by the definitions above shall be governed by applicable laws and regulations and generally accepted commercial practices.

Article 3 (Publication and Establishment of These Terms)

These Terms and Conditions shall take effect when they are posted on the Company's website (https://cozyhouse.kr) as notice to Customers.

The Company may amend these Terms and Conditions from time to time. The Company shall announce the fact and details of any amendment in the manner described in Paragraph (1) at least 30 days before the date on which the Company intends the amendment or any related service change to take effect (the "Effective Date"). If an urgent amendment is required due to a change in applicable laws or regulations, the amended Terms and Conditions shall instead be posted on the website for at least one month.

If a Customer continues to use the Prepaid Card on or after the Effective Date of amended Terms and Conditions, the Customer shall be deemed to have agreed to the amendments.

Article 4 (Issuance)

The COZY HOUSE Prepaid Card is issued on the following terms:

Issuer: COZY HOUSE KOREA Co., Ltd.

Type: Reloadable prepaid card

Initial issuance: A reloadable Prepaid Card is issued in electronic card form with an initial balance of KRW 0. Customers may add value to the card at COZY HOUSE Stores.

Availability: The Prepaid Card may be used only at COZY HOUSE Stores that have entered into an agreement with the Company for acceptance of the Prepaid Card.

Article 5 (Top-Ups)

A Prepaid Card may be purchased or topped up at a COZY HOUSE Store using a payment method designated by the Company.

The maximum balance permitted on a reloadable Prepaid Card is KRW 500,000.

No interest shall accrue on any amount added to a reloadable Prepaid Card.

The Company may restrict a Customer from adding value to a Prepaid Card if the resulting balance would exceed the maximum balance; if the Company determines or suspects that illegal activity, fraudulent use, or an abnormal transaction has occurred; or if a technical, regulatory, or other circumstance makes a Top-Up unavailable.

The Company may provide additional value equal to a specified percentage or fixed amount based on the amount added to a Prepaid Card ("Bonus Credit"). The qualifying Top-Up tiers, benefit rates, and limits shall be determined by the Company, and the Company may modify or discontinue the Bonus Credit program.

Bonus Credit shall be calculated separately for each Prepaid Card based on a single Top-Up made during the applicable month. Multiple Top-Ups may not be combined, and a Customer may not request the benefit after a Top-Up by changing or designating a different card.

Article 6 (Use)

A Prepaid Card may be used only at Stores that have entered into an affiliation agreement with the Company.

When a Customer requests goods or services within the face value or applicable quantity limit of a Prepaid Card, the Store shall provide the goods or services promptly upon approval of the Payment.

A reloadable Prepaid Card may be used in multiple transactions, up to its available balance.

A Customer may use a Prepaid Card to purchase goods and services offered by a Store. Use may, however, be restricted under the Store's policies. If the Company becomes aware that a Store has restricted or refused the use of a Prepaid Card, the Company shall post notice on its website (https://cozyhouse.kr) without delay.

The Company or a Store may refuse to reissue or accept a Prepaid Card if its Card Number was exposed and used due to the Customer's negligence, or if the Prepaid Card was issued through fraudulent means.

The Company may provide a Prepaid Card to a Customer at no charge for marketing purposes. Any such Prepaid Card may be used in accordance with Paragraphs (1) through (3) of this Article.

Article 7 (Validity Period)

The balance of a reloadable Prepaid Card is valid for five years from the date of the most recent Top-Up or use. A Customer may request an extension before the validity period expires. Unless there is a specific reason not to do so, the validity period shall be extended in three-month increments.

The validity period of a Prepaid Card provided at no charge through a marketing campaign, event, or similar program may vary and will be stated separately when the card is provided. The validity period of a Prepaid Card received at no charge may not be extended.

Article 8 (Cancellation and Balance Refunds)

Top-Up cancellations and balance Refunds for reloadable Prepaid Cards are available as follows:

A Top-Up may be canceled only at the Store where the original Top-Up was made, within seven days of the Top-Up, provided that the relevant Top-Up amount remains available on the card.

Before the validity period expires, if at least 60% of the balance at the time of the most recent Top-Up has been used, the remaining balance may be refunded in cash through the Customer Service Center. Any Bonus Credit provided by the Company shall be excluded from the Refund. Only the unused portion of the amount actually paid by the Customer shall be refundable.

If the validity period has expired but the five-year statute of limitations for commercial claims has not, 90% of the balance may be refunded in cash through the Customer Service Center when the balance is KRW 50,000 or less, and 95% may be refunded when the balance exceeds KRW 50,000. Any Bonus Credit provided by the Company shall be excluded from the Refund. Only the unused portion of the amount actually paid by the Customer shall be refundable.

No Refund is available once the validity period has expired and the five-year statute of limitations for commercial claims has elapsed.

Before the validity period expires, a Customer may receive a Refund of the entire unused balance, or the entire balance remaining after partial use, in any of the circumstances listed below. If the Customer purchased the Prepaid Card at a discount below its face value, the Refund shall be based on the purchase price.

A natural disaster or similar circumstance makes it difficult for a Store to provide goods or services, preventing use of the Prepaid Card.

A defect in the Prepaid Card prevents a Store from providing goods or services.

The Company gives advance notice that it will discontinue the service.

Prepaid Cards issued or provided for marketing or event purposes are not eligible for a Refund or return of the remaining balance.

When a Customer requests a balance Refund, the Company shall pay the Refund in cash within three business days.

Balance Refunds are available through the Customer Service Center operated on behalf of the Company.

Korea Prepaid Card Customer Service Center: 1899-3206

Article 9 (Balance Inquiries)

The balance of a COZY HOUSE Prepaid Card may be checked using any of the following methods:

Ask a Store to confirm whether the Prepaid Card is active and check its balance.

Contact the Customer Service Center operated on behalf of the Company.

Korea Prepaid Card Customer Service Center: 1899-3206

Enter the Card Number on the balance inquiry website.

Balance inquiry website: www.kpcard.co.kr

Article 10 (Damage, Theft, and Loss)

At a Customer's request, the Company shall replace a defective Prepaid Card with a card that functions properly.

The Company may refuse to reissue or accept a Prepaid Card in any of the following circumstances:

The Prepaid Card was damaged due to the Customer's fault.

The Company cannot verify that it issued the Prepaid Card.

The Company establishes that the Customer obtained the Prepaid Card illegally or through other fraudulent means.

The Prepaid Card has been stolen or lost.

Article 11 (Expiration of Balance)

Any balance remaining on a Prepaid Card after its validity period has expired and the five-year statute of limitations for commercial claims has elapsed shall be extinguished and will not be refundable.

Article 12 (Collection of Transaction Information)

When a Customer uses a Prepaid Card to access services or purchase products or other goods, the Company collects the minimum transaction information necessary for the transaction, including the Card Number, transaction date and time, transaction amount, and terminal and Store information.

Transaction information collected through the Prepaid Card may be used to settle amounts payable and for the Company's statistical analysis and related use. Where such information constitutes personal information, it will first be de-identified in accordance with applicable privacy laws.

Article 13 (Access to Transaction History)

A Customer may check their transaction history through the Customer Service Center.

In accordance with applicable laws, the Company shall retain a Customer's transaction history for up to five years from the date of each transaction. During that period, the Customer may review and verify transaction history for the most recent one-year period through the Customer Service Center.

Article 14 (Responsibilities)

The Company shall not engage in conduct prohibited by applicable laws or these Terms and Conditions or contrary to public order and generally accepted standards of conduct. The Company shall endeavor to provide services and supply goods and services continuously and reliably in accordance with these Terms and Conditions.

The Company shall maintain the systems necessary to enable Customers to use Prepaid Cards safely.

If a Customer engages in any of the conduct listed below, the Company may restrict or suspend the Customer's eligibility to use the Prepaid Card by giving notice to the Customer. The Company shall provide the Customer with 14 days to correct the conduct or submit an explanation. If the Customer fails to respond or the explanation is not justified, the Company may revoke the Customer's eligibility to use the Prepaid Card. In the case of the third item below, eligibility shall be revoked automatically without separate notice.

Using the service through fraudulent means or for an improper purpose.

The Customer dies.

Interfering with another Customer's use of the service or misappropriating that Customer's information.

Engaging, in connection with use of the Prepaid Card, in conduct that violates applicable laws, these Terms and Conditions, public order, or generally accepted standards of conduct.

Damaging the reputation or credit of the Company or any third party; using abusive language; committing assault; engaging in sexual remarks or conduct or other inappropriate behavior; or obstructing business operations.

Materially obstructing the Company's business by habitually canceling or returning purchased products, including requesting Refunds, without just cause.

Materially disrupting fair trade by repeatedly purchasing goods in bulk for resale.

Using goods or services in a manner that materially exceeds the scope of a normal transaction and constitutes misuse or abuse.

If the Company incurs damage as a result of any conduct described in Paragraph (3), the Customer responsible for that conduct shall be liable for the Company's damages.

If the Company becomes subject to a third-party claim for damages, lawsuit, or other objection due to a Customer's illegal conduct or violation of these Terms and Conditions while using the service, the Customer shall indemnify and hold the Company harmless at the Customer's own responsibility and expense. If the Company is not fully held harmless, the Customer shall compensate the Company for the resulting damages.

If a dispute arises between Customers or between a Customer and a third party because a Customer used the service illegally or fraudulently, or acted negligently, the Company shall have no obligation to intervene and shall not be liable for any resulting damages unless the party asserting the Company's liability objectively establishes that the Company was at fault.

Article 15 (Payment Guarantee)

The COZY HOUSE Prepaid Card is issued solely on the credit of COZY HOUSE KOREA Co., Ltd., without a separate payment guarantee or insurance policy covering customer losses.

Article 16 (Dispute Resolution)

A Customer may request the resolution of a dispute concerning an electronic financial transaction, including by submitting an opinion or complaint or making a claim for damages, through the person responsible for dispute resolution or the relevant representative identified on the Company's website, or by using the contact information below.

Dispute resolution contact: COZY HOUSE KOREA Co., Ltd.

Address: Room 2003, 90 Centum jungang-ro, Haeundae-gu, Busan, Republic of Korea

Email: storyfc@storyfc.com

Telephone: 1899-6683

If a Customer suffers loss or damage in connection with use of the Prepaid Card, the Customer may contact the 1372 Consumer Counseling Center.

Fair Trade Commission 1372 Consumer Counseling Center: 1372 (no area code required)

A Customer may apply for dispute resolution under Paragraph (1) in writing, including by electronic document, or through an electronic device, to the Company's head office or a business location. The Company shall notify the Customer of the results of its investigation or handling of the matter within 15 days. If the matter cannot be handled promptly, the Company shall notify the Customer without delay of the reason and the expected handling schedule.

If a Customer objects to the Company's dispute resolution result under Paragraph (2), the Customer may apply for mediation of a dispute relating to the Company's electronic financial transaction services through the Financial Dispute Mediation Committee of the Financial Supervisory Service, the Consumer Dispute Settlement Commission of the Korea Consumer Agency, or another appropriate body.

Article 17 (Governing Law and Jurisdiction)

Any matter not provided for in these Terms and Conditions, and the interpretation of these Terms and Conditions, shall be governed by the Company's Terms of Use for Electronic Financial Transaction Services accepted by the Customer, the terms and conditions of the relevant affiliated Store, applicable laws and regulations of the Republic of Korea, and generally accepted commercial practices.

Any dispute or legal proceeding relating to the use of a Prepaid Card or these Terms and Conditions shall be handled in accordance with the Civil Procedure Act of the Republic of Korea.

Any lawsuit concerning a dispute shall be subject to the exclusive jurisdiction of the district court having jurisdiction over the Customer's address at the time the lawsuit is filed or, if the Customer has no address, the Customer's place of residence. If the Customer's address or place of residence is unclear at the time of filing, or if the Customer resides outside the Republic of Korea, the lawsuit shall be filed with the court having jurisdiction under the Civil Procedure Act.

Notice and Effective Date

Date of notice: December 9, 2025

COZY HOUSE KOREA Co., Ltd.

CEO: Byoung-dae An

Business Registration No.: 496-81-02979

Address: Suite 2003, 90 Centum Jungang-ro, Haeundae-gu, Busan, Republic of Korea

E-mail: storyfc@storyfc.com

TEL: 1899-6683

© 2026 Cozy House. All rights reserved.

Article 1 Consent to Collection of Personal Information and Collection Method
< The name of a company or website > (“URL” hereinafter “Website”) shall establish a procedure for allowing customers to click the button “Agree” to the terms of use, collection of personal information, and details of personal information used. Customers shall be deemed to have agreed to the collection and use of their personal information by clicking the “Agree” button.

Article 2 Personal Information Items Collected and Purpose of Using Personal Information
“Personal Information” means information on living persons and refers to their names, resident registration numbers, or any other information that identifies such persons. (Even if such information alone cannot identify a certain person, such information that can be easily combined with other information and be used to identify such a person.)

The Website has the following purposes for collecting and using customers’ personal information:

Personal information of general members
- Time of collection: Signing up for membership
- Mandatory collection items: ID, password, e-mails, names *required to be revised*
- Optional collection items: Profile images, date of birth, telephone number, address *required to be revised*
- Purpose of using personal information: Signing up for membership, customer consulting for the use of services, and delivery of notices
- Retention period: Immediately deleted upon withdrawal of membership or retained for five (5) years for purchasing members

Order information (including members and non-members)
- Time of collection: Upon placing orders
- Mandatory collection items: Information of customers placing orders (name, address, telephone, and e-mail), information on recipient (name, address, telephone), payment approval information
- Optional collection items: Delivery of messages
- Purpose of using personal information: Payment and delivery of ordered products
- Retention period: Retained for five (5) years

Article 3 Collection of Personal Information via Cookies
The Website may install and operate cookies that store and frequently retrieve customers’ information. A cookie means a small amount of text files that a website sends to users’ computer browsers (Internet Explorer, and others)
1) Purposes of using cookies
- Providing differentiated information, depending on individuals’ interests
- Analyzing the access frequency or staying time of users, identifying users’ tastes and interests, and using them for target marketing and as a measure for service improvement
- Tracing the information on items purchased and items to which users pay attention, and providing tailor-made services
2) Operation of cookies and rejection of cookiesCookies are stored at the hard disk of users’ computers. Cookies identify users’ computers but do not personally identify users.
In addition, customers may accept or reject all cookies, or go through checks whenever cookies are stored by changing settings on their web browser.
However, if customers refuse to store cookies, they may not use some services that require them.
3) Method for changing settings to reject cookies
A. Internet Explorer
Directly change settings by clicking Tools > Internet Options > Personal Information tab on the upper menu of a web browser
B. Chrome
Directly change settings by clicking Menu icon on the upper right bar of a web browser >Settings > Advanced Settings on the bottom of the screen > Contents Setting button on Personal Information section > Cookies section

Article 4 Periods of Retaining and Using Personal Information and Destruction of Personal Information
1) Customers’ personal information shall be destroyed without any delay after the purposes of collection and use of their personal information have been fulfilled. However, if customers’ personal information needs to be retained for a certain period of time for the following purpose of verifying transaction parties’ rights and obligations in accordance with provisions of relevant statutes, such as the Protection of Consumers in e-commerce and Other Transactions Act, such information shall be retained for the specified period:
A Article 6 of the Protection of Consumers in e-commerce and Other Transactions Act
- Records on contracts or withdrawal of offers: Retained for five (5) years
- Records on payments and the supply of goods: Retained for five (5) years
- Records on the resolution of customers’ complaints or disputes: Retained for three (3) years
B Article 15.2 of the Protection of Communication Secrets Act
- Log-in records: Retained for three (3) months
C Other related statutes
2) The Website shall destroy personal information in the following manner.
A. Destruction procedure-The information entered for membership sign-up shall be transferred to a separate database (in case of information on paper, a separate filing cabinet), stored for a certain period of time in accordance with internal guidelines and other relevant statutes, and then destroyed.
- The above personal information shall not be used for any purposes other than for the purposes stipulated by law.
B. Destruction methods-Personal information printed out on paper shall be destroyed by shredding or burning. - Personal information in electronic file format shall be entirely destroyed by technological methods so that they may not be restored or regenerated.
3) The Website shall give dormant members (who have not used services for the last twelve (12) months) a notice on the forfeiture of membership in accordance with Article 29.2 of the Act on Promotion of Information and Communications Network Utilization and Information Protection. If such members fail to reply to such a notice, they may be considered to have forfeited their membership at the Website’s discretion. In such a case, dormant members’ personal information may be stored and managed separately from other members’ personal information. Such personal information that is separated and stored shall be destroyed after the lapse of the statutory retention period. In case a customer makes a request, then such a customer’s personal information that is not destroyed shall be made available again at the time of resuming the use of services.

Article 5 Provision of Personal Information for Third Parties
1) The Website shall neither use customers’ personal information nor provide such information for other persons, companies, and institutions beyond the scope of Article 1 above (Personal Information Items Collected and Purpose of Using Personal Information).
2) The following cases are exceptions.
A. When customers’ personal information is required by relevant institutions for investigative purposes in accordance with relevant statutes
B. When customers’ personal information is provided in a form that cannot identify certain individuals for advertisers, suppliers, or research organizations to compile statistics or conduct academic or market research
C. When customers’ personal information is requested in accordance with pre-determined procedures under other relevant statutesEven if personal information is provided in accordance with the foregoing, we do our best to ensure that such information is not indiscriminately provided against the original purpose of collection and use of such information.

Article 6 Outsourcing of Personal Information Processing
The Website outsources the processing of users’ personal information to outside professional organizations as follows for the smooth conduct of businesses, such as provision of better services and customers’ convenience.
- Delivery of ordered products: OO Delivery Service *required to be revised*
- Establishing and maintaining computer systems: Hosting companies *required to be revised*
- Delivery tracking system service: Goodsflow Inc.
- Payment and escrow service: PG *required to be revised*
- Self-authentication, i-PIN service: Dream Security Inc.
※ The information shared with outsourcing companies shall be limited to the minimum information required to fulfill the original purpose of outsourcing. In addition, optional personal information is provided for outsourcing companies at the request of customers for services.
※ The list of outsourcing companies may be subject to change, depending on changed services and contractual periods. Any change in this list shall be announced in advance via notices. Customers participating in short-term events shall be individually notified of such events.

Article 7 Access and Modification of Personal Information

1) Customers may access or modify their personal information registered at the Website at any time. Customers may click the Change Members’ Information menu and directly access or modify their personal information. They may also request for such access or modification by sending e-mails or written requests to a chief privacy officer or a personal information handling employee at the Website. Then, the Website shall take relevant measures without any delay.
2) If customers demand the correction of any errors in their personal information, such personal information shall be neither used nor provided by the Website until such errors have been corrected.
3) If incorrect personal information has been already provided for any third party, then the Website shall immediately notify such third party of the result of correction of this information and have this third party also modify the information.

Article 8 Withdrawal of Consent to Collection, Use, and Provision of Personal Information
1) Customers may withdraw their consent to the collection, use, and provision of their personal information that is made available when signing up for membership at any time. They may do so by clicking Withdrawal of Consent (Membership) in the Personal Information Management Menu on the initial landing page of the Website. They may also do so by contacting the chief privacy officer of the Website in writing, by telephone, or through e-mail. Then, the Website shall immediately take necessary measures, such as deletion of personal information. The Website shall immediately notify customers of such measures, including withdrawal of consent and destruction of personal information.
2) The Website shall take necessary measures to ensure that customers withdraw their consent (membership) to the collection of their information through an easier method than what they used to give their consent to the method of collecting personal information.

Article 9 Measures for Ensuring the Security of Personal Information
The Website shall take technological/administrative/physical measures required for ensuring the security of personal information in accordance with Article 29 of the Personal Information Protection Act.
1. Encryption of personal information
Users’ personal information, including passwords, is stored and managed and is only known to the users who own that information. Important data is secured with separate features, such as the encryption and locking of files and transmitted data.
2. Technological measures against hacking
The Website shall install, regularly update, and check security porgrams to ensure that personal information is not leaked and damaged due to hacking or computer viruses. It shall also install systems in areas to which access from the outside is controlled, as well as technologically/physically inspect and block such areas.

Article 10 Protection of Personal Information of Children under Fourteen Years of Age
The Website deems the protection of children’s personal information in online environments to be also important. It does not allow children under fourteen years of age who require the consent of their legal counsel to apply for membership. If such childern sign up for the Website or provide their personal information due to the theft of their names and information or abuse of systems, then their legal counsels may exercise all rights.

Article 11 Chief Privacy Officer
The Website appoints the following chief privacy officer who is responsible for the handling of personal information and the handling of customers’ complaints regarding personal information and damage reliefs.

▶ Chief Privacy Officer
- Name: *required to be revised”
- Title: *required to be revised”
- Job grade: *required to be revised”
- Contact point: *required to be revised”

Article 12 Modification of the Guideline on Personal Information Processing
This guideline on personal information processing shall take effect on its effective date. Any addition of change under statutes and this guideline, and deletion and correction of anything in this guideline shall be announced via notices seven (7) days prior to the effectuation of such addition, deletion, or correction.
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