The Interest/Fee Waiver and Installment Payment Program is a regular customer support policy offered by Welcome Debt Trading Co.,Ltd and Welcome Vina Debt Trading Co.,Ltd ("Company") for customers whose debts are managed by the Company, who are experiencing financial difficulties, and who is willing to repay the debt.

The Program shall be considered on a case-by-case basis, taking into account the status of the debt, the customer's repayment capacity, and the Company's support policies in effect from time to time.

1. Eligibility Customers and Conditions

A customer may be considered for participation in the Program if all of the following conditions are met:

The customer has a debt managed by the Company;

The customer is experiencing financial difficulties or requires assistance with a repayment arrangement;

The customer demonstrates a genuine willingness to fulfill repayment obligations;

The customer provides sufficient information for the Company to verify and confirm the debt;

The customer satisfies any other conditions required under the Company's support policies in effect from time to time.

2. Application

To verify debt information and receive guidance on an appropriate repayment solution, customers may contact the Company through the following information:

Upon receiving the customer's information, the Company will review the application and annouce to the customer of the assessment result if the eligibility requirements are satisfied.