▶ What is ‘and’?
Local currencies issued by local governments are included in one app, [and].
The local currency serviced through ‘And’ is in the form of a rechargeable prepaid card and can be used within each local currency issuance area.
In addition, it is a means of paying welfare allowances to local residents, provides incentives to revitalize the local economy, and supports discounts when making payments at small business stores in accordance with local policies.

▶ Convenient local currency in card form, apply and use ‘Local Currency Card’
- You can apply for a card right from the app without complicated account opening or visiting the bank.
- The issued card can be recharged anytime, anywhere through the mobile app.
- Conveniently pay with a card at any affiliated store in the area.
- Card usage details can be easily checked in the app.
* To strengthen the competitiveness of small business owners, use may be restricted in department stores, large supermarkets, and certain excluded industries.

▶ Local currency that can be used in ‘And’
- Hoengseong-gun, Gangwon-do ‘Hoengseong Love Card’
- Samcheok City, Gangwon-do ‘Samcheok Love Card’
- ‘Donghae Pay’ in Donghae-si, Gangwon-do
- Goseong-gun, Gangwon-do ‘Goseong Love Card’
- Inje-gun, Gangwon-do ‘Inje Filled Dream Card’
- Okcheon-gun, Chungcheongbuk-do ‘Perfume OK Card’
- Gimcheon City, Gyeongsangbuk-do ‘Gimcheon Love Card (Gimcheon Love Pay)’
- Gyeongsan City, Gyeongsangbuk-do ‘Gyeongsan Love Card’
- Yeonggwang-gun, Jeollanam-do ‘Yeonggwang Love Card’
- Yeongwol-gun, Gangwon-do ‘Yeongwol Starlight Fine Card’
- Uiseong-gun, Gyeongsangbuk-do ‘Uiseong Love Card’
- Eumseong-gun, Chungcheongbuk-do ‘Eumseong Happy Pay’
- ‘Tantan Pay’ in Taebaek-si, Gangwon-do
- More local currencies will be added.

▶ Incentives provided
- Incentives are provided when charging and paying with local currency. Incentives are amounts that can be used like cash at the time of payment.
- The rate and method of providing incentives are applied differently depending on the policy and issuance scale of each local government.

▶ Use as a policy-issued card
- Are you eligible for welfare policy? Policy issuance funds provided by local governments are also paid through cards.

▶ 30% income deduction, same as check card
- When registering as a member, if you agree to the year-end tax settlement terms or the automatic income deduction application pop-up or 'All menu > Income deduction application', the income deduction benefit will be applied as soon as you register the card.
(If you already have a registered card, the deduction will be applied to all payments from the time of card registration.)

▷ The operator of the local currency business serviced through ‘And’ is Kona I Co., Ltd.

▷ Inquiry information
- If you have any questions or inconveniences while using the app, please contact the customer service center below.
- ‘And’ Customer Center: 1811-6663 (Weekdays 09:00~18:00)

▷ Access rights
- Installed apps (required): Check whether apps requiring caution are installed for safe electronic financial transactions.
- Phone (optional): Collect phone number, which is essential information when recharging transportation cards and checking recharge balance
- Notification (optional): Usage history notification
- Camera (optional): Read barcode/QR code/ID information
- Contact information (optional): Easy entry through mobile phone contact information
- Location (optional): Provides guidance based on my location
- Microphone (optional): Chatbot question voice input

* App access permission information
- ‘And’ to use the app, you must agree to the required access permissions.
- Access permissions for selected items are used to better use the app. Even if you do not allow the selection, you can use services other than the corresponding function.
- Required/optional access permission items may vary depending on the model.

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