Customer Harassment Response Policy

Net Protections Holdings, Inc. ("the Company") and its affiliated companies (collectively, "the Group") operate under the mission to "Create New Standards" by making frictionless systems accessible to everyone. While engaging sincerely with all of our customers remains our fundamental principle, we hereby establish the following Customer Harassment Response Policy in order to protect our employees working across the Group.

As a leading company in the Buy Now, Pay Later (BNPL) industry, the Group has established "Engaging Sincerely with All Stakeholders" as our organizational code. Under the aforementioned mission, we have worked to ensure customer satisfaction by responding to customer inquiries and feedback appropriately and with the utmost sincerity.
However, in rare instances, we encounter acts of harassment such as verbal abuse and threats toward our employees, or unreasonable demands. Such behavior infringes upon the dignity of our employees and disrupts a positive and safe working environment.
The Group’s vision is to "Expand Our Possibilities" by providing new options through our business and organization, thereby expanding the possibilities for every individual. To protect our employees as an organization and fulfill this vision, we will not tolerate any form of customer harassment. By maintaining a resolute stance against such behavior, we will strive to build sound and positive relationships with our customers.

The Group defines customer harassment as: "any demands from a customer that lacks reasonable justification, or where the means or manner of making such a demand is socially unacceptable, thereby adversely affecting the working environment of employees of the Group or its contractors."
(Based on the Ministry of Health, Labour and Welfare’s Customer Harassment Prevention Corporate Manual, published February 2022).

Specific examples include, but are not limited to, the following:

1. Physical or mental abuse: Assault, injury, threats, coercion, slander, defamation, insults, or verbal abuse.
2. Inappropriate conduct: Intimidating, repetitive, persistent, discriminatory, or sexual behavior.
3. Invasion of privacy: Disclosing personal information of Group employees on social media or the internet (including publishing photos, audio, or video).
4. Restrictive behavior: Refusing to leave, confinement, or detaining employees for durations or frequencies that exceed reasonable bounds.
5. Degrading demands: Forcing employees to kneel on the ground (dogeza) or perform similar acts of humiliation.
6. Unreasonable service requests: Demanding services that are irrational or excessive.
7. Unjustified compensation or apologies: Demanding monetary compensation or apologies without valid reasons, or beyond the Group's responsibility and common social standards.

If the Group determines that a customer's demands or behavior constitute customer harassment, we will, in principle, refuse further service to that customer.
Furthermore, as necessary, we will consult with the police, legal counsel, and other relevant authorities, and take appropriate measures, including legal action to deal with customer harassment resolutely.

１．The establishment, revision, abolition, and administration of this policy shall be governed by the "Policy Management Regulations."
２．This policy is effective from February 1, 2026.

February 1, 2026