Remittance Transaction Rules

When using the remittance services provided by CITY EXPRESS MONEY TRANSFER JAPAN Co., Ltd. (hereinafter referred to as the “Company”), including the receipt of remittances (hereinafter collectively referred to as the “Services”), to conduct a Remittance Transaction (including an Overseas Remittance Transaction) or a Remittance Receiving Transaction (including a Receiving Overseas Remittance Transaction; collectively, the Remittance Transaction and the Remittance Receiving Transaction are hereinafter referred to as the “Transactions”), the user shall register as a Member upon agreeing to the Terms and Conditions prescribed by the Company (hereinafter referred to as the “Terms”). Upon completion of such membership registration, the Company shall deem the user of the Transactions (hereinafter referred to as the “Member”) to have agreed to these Terms.

As a general rule, the Services are available only to corporate customers whose registered office or principal place of business is located in Japan and individual customers who resides in Japan.

The terms used in these Terms shall have the meanings set forth below:

To use the Services, a person must register as a Member in advance. Each Member may have only one membership registration. To register as a Member, the applicant must complete the membership registration procedures in accordance with the application method prescribed by the Company and complete the customer due diligence procedures prescribed by the Company at the time of conducting a transaction. However, even if such procedures have been completed, the Company may, at its discretion, decline to approve the membership registration. In addition, for each Member whose membership registration through the Company Mobile App has been approved by the Company, the Company shall issue one Wallet through the Company Mobile App.

A Member may conduct the Remittance Transaction by any of the following methods:

(1) Installing the Company Mobile App on a mobile phone or other device and submitting a Remittance Transaction request through the Company Mobile App using all or part of the Member’s wallet balance;

(2) Inserting a Remit Card into an ATM of a partner financial institution of the Company and operating the ATM to make a remittance;

(3) Submitting a Remittance Transaction request at a service counter of the Company’s head office or any of its branches;

(4) Contacting the Company by telephone or email; or

(5) any other method prescribed by the Company.

2. A Member may conduct a Remittance Receiving Transaction by any of the following methods:

(1) Installing the Company Mobile App on a mobile phone or other device and receiving funds into the Member’s Wallet through the Company Mobile App;

(2) Receiving funds by bank transfer into a bank account registered with the Company (the “Registered Bank Account”);

(3) Receiving a direct cash payment at a service counter of the Company’s head office or any of its branches; or

(4) any other method prescribed by the Company.

3. Notwithstanding the preceding two paragraphs, the Company may suspend or interrupt the provision of all or part of the Services for system maintenance or other reasons relating to the provision of the Services.

4. If the Company temporarily suspends any of the Services or commences the provision of a new service, the Company shall give prior notice by posting a notice on its website. However, if the Company determines that urgent action is required due to a system failure or other circumstances, the Company may suspend or interrupt all or part of the relevant system without prior notice.

5. A Member may use the Services only while the Member’s membership remains valid under these Terms.

The maximum wallet balance shall be JPY 1,000,000.

2. A wallet balance shall not exceed JPY 1,000,000. The Company shall have no obligation to process any Transaction or accept any deposit or other credit that would cause the wallet balance to exceed the maximum amount specified in the preceding paragraph and may reject any request relating to such Transaction, deposit or other credit.

3. A Member may withdraw all or part of the Member’s wallet balance through the Company Mobile App by any of the following methods:

(1) withdrawal by bank transfer;

(2) withdrawal through an ATM operated by a partner financial institution of the Company; or

(3) any other method prescribed by the Company.

4. A Wallet is used to manage funds relating to the Transactions and does not constitute a bank deposit, savings deposit, installment savings account or any other similar deposit product.

5. If the Company reasonably determines that the wallet balance is unlikely to be used for a Remittance Transaction, or otherwise determines that action is necessary pursuant to applicable laws and regulations, the Company may, upon notice to the Member, refund the Wallet balance, restrict the use of the Wallet or take any other necessary measures prescribed by the Company.

The Company may, at the request of a Member, provide the Member with either or both of a Remit Card and a Wallet Card (collectively, the “Card”). The Cards may be used only by the Member to whom they are provided. A Member shall not transfer or lend a Card to, or permit a Card to be used by, any third party. A Member shall not use a Card for any purpose other than to use the Services.

2. Each Card shall remain the property of the Company. The Member shall exercise due care and diligence in safeguarding and using the Card and the card information and shall keep the PIN strictly confidential and take reasonable measures to prevent its disclosure to any third party.

3. If a Card or card information is lost, stolen, forged, altered or suspected of unauthorized use by a third party, the Member shall immediately notify the Company.

4. Upon receiving notice under the preceding paragraph, the Company may suspend the use of the relevant Card, change the card information or take any other necessary measures.

5. If the Company reasonably determines that a Member has violated these Terms, if the Member is unable or unwilling to agree to these Terms, or if the Company otherwise determines it necessary, the Company may require the Member to return the Card to the Company or cut the Card in half and dispose of it. If the Company requires the return or destruction of a Card, the Member shall comply immediately.

6. The Company shall not be liable for any loss or damage arising from the loss of a Card, card information or PIN, or from any other matter within the Member’s control or responsibility, except where such loss or damage is attributable to the Company’s willful misconduct or negligence. However, if the circumstances fall within the scope of Paragraph 3(1) of the Company’s Compensation Policy for Unauthorized Transactions, such Policy shall apply.

7. If the Company considers it necessary to prevent the forgery, alteration or unauthorized use of a Card or otherwise ensure transaction security, the Company may, without prior notice to the Member, suspend the use of the Card, change the card Information, invalidate the Card or take any other necessary measures.

Each Member shall be responsible for their use of the Company Mobile App in connection with the Services.

2. Each Member shall, at the Member’s own expense and responsibility, obtain and maintain the mobile device, internet connection and other equipment and services necessary to use the Company Mobile App.

3. A Member shall not permit any third party to use the Company Mobile App and shall take reasonable measures to prevent unauthorized access to the Member’s device. The Member shall also keep their login ID and password (collectively, “login credentials”), PIN, and other authentication information strictly confidential.

4. A Member shall not engage in any of the following acts:

(1) Modifying, analyzing, reverse engineering, or otherwise making unauthorized use of the Company Mobile App;

(2) Using the Services by impersonating any third party;

(3) Gaining unauthorized access or engaging in any other act that violates applicable laws and regulations or public order and morals;

(4) Infringing the rights or interests of the Company or any third party; or

(5) Engaging in any other act that the Company considers inappropriate.

5. If the Company considers it necessary to ensure the security of the Services or for any other reason, the Company may, without prior notice to Members, restrict the functionality of, suspend access to, or require Members to update the Company Mobile App.

6. The Company shall not be liable for any loss or damage arising from the loss or theft of a Member’s device, unauthorized use by a third party, telecommunications failures, or any other circumstances not attributable to the Company. However, if the circumstances fall within the scope of Paragraph 3(1) of the Company’s Compensation Policy for Unauthorized Transactions, such Policy shall apply.

7. To prevent unauthorized use of the Services and enhance their security, the Company may, without prior notice to Members, collect and use information reasonably necessary for such purposes, including information regarding Members’ use of the Company Mobile App, device information and IP addresses.

When a Member uses the Services, the Company shall authenticate the Member using the Member’s registered Login Credentials, PIN or other authentication information, biometric authentication, or any other method prescribed by the Company.

2. A Member shall not disclose or allow any third party to use the Member’s authentication information and shall keep such information strictly confidential. If the Member forgets such information or suspects that it may have been compromised, the Member shall immediately complete the change procedures prescribed by the Company.

3. A Member shall immediately notify the Company if the Member suspects unauthorized use by a third party, or becomes aware of, or suspects, any compromise of authentication information or loss or theft of the Member’s device.

4. To ensure the security of the Services and prevent unauthorized use, the Company may, without prior notice to the Member, review transaction details, usage history, device information, IP addresses and other relevant information, and may require additional authentication, impose transaction restrictions or take any other necessary measures.

5. If the Company determines that any of the following circumstances applies, it may, without prior notice to the Member, suspend all or part of the Services, impose transaction restrictions, disable authentication functionality or take any other necessary measures:

(1) Repeated incorrect entry of authentication information or any other circumstances indicating a risk of unauthorized access, unauthorized transfers or other unauthorized use;

(2) Authentication information may have been used by a third party;

(3) There is a risk of violation of applicable laws or regulations; or

(4) The Company otherwise considers such measures necessary to ensure the security of the Services.

6. The Company may treat any Transaction completed through the prescribed authentication process as having been conducted by the Member.

7. The Company shall not be liable for any loss or damage arising from the compromise of authentication information, inadequate device security, unauthorized use or any other circumstances attributable to the Member and not attributable to the Company. However, if the circumstances fall within the scope of Paragraph 3(1) of the Company’s Compensation Policy for Unauthorized Transactions, such Policy shall apply.

Remittance funds for a Remittance Transaction shall be paid in Japanese yen by any of the following methods:

(1) depositing cash through an ATM operated by a partner financial institution of the Company using a Remit Card or Wallet Card;

(2) depositing cash through an ATM operated by a partner financial institution of the Company using a two-dimensional barcode;

(3) transferring funds to a bank account designated by the Company in accordance with the procedures prescribed by the Company; or

(4) any other method prescribed by the Company.

A request for a Remittance Transaction shall be handled in accordance with the following:

(1) The request shall be accepted during the reception hours prescribed by the Company.

(2) The Member shall either register the Receiver in advance in the manner prescribed by the Company or provide the Receiver’s information when submitting the request.

(3) The Member shall pay the Remittance Funds and Related Charges by a method specified in Article 10.

(4) The Member may submit a request after completing the registration or providing the information required under Item (2) and making the payment required under the preceding item.

(5) If the Company considers it necessary to verify the details of a Transaction pursuant to the Act on Prevention of Transfer of Criminal Proceeds, the Foreign Exchange and Foreign Trade Act or any other applicable laws or regulations, the Member shall complete the procedures specified by the Company. Notwithstanding the preceding item, the Company may decline the request if the Member fails to complete such procedures or if the Company otherwise determines that the Transaction is inappropriate. The Company may not be able to disclose the reason for declining the request.

A receipt instruction submitted by a Member in accordance with Article 5(2) and accepted by the Company shall become available for receipt upon completion of the procedures prescribed by the Company. If the funds are to be credited to the Member’s Registered Bank Account, the Company shall process the credit at the time prescribed by the Company.

2. The Company shall not process a receipt instruction that contains any error or omission.

3. Even after accepting a receipt instruction, the Company may decline to process it if the Company determines that any of the following circumstances applies. The Company may not be able to disclose the reason for declining the Transaction:

(1) the Company identifies concerns regarding compliance with the Foreign Exchange and Foreign Trade Act, the Act on Prevention of Transfer of Criminal Proceeds or any other applicable laws or regulations;

(2) the Company is unable to verify the purpose of the Transaction;

(3) the Company determines that the Transaction may involve the transfer of criminal proceeds or other illicit funds; or

(4) the Company otherwise determines that the Transaction is inappropriate.

If a Member intends to change, or if there is any change to, the Member’s identification information or any other information registered with the Company pursuant to Article 4 or Article 11(2) (“Registered Information”), the Member shall promptly complete the procedures prescribed by the Company to update the Registered Information. Any such change shall be subject to verification, review and approval by the Company.

A Domestic Remittance Transaction or Domestic Remittance Receiving Transaction shall become effective when the Company confirms the relevant transfer request or Receipt Instruction. An Overseas Remittance Transaction or Receiving Overseas Remittance Transaction shall become effective when the Company confirms the relevant transfer request or receipt instruction and the Transaction amount is determined using the exchange rate specified in Article 16. However, the Company may cancel the Transaction if it determines that the Transaction is inappropriate.

2. If a Transaction is cancelled under the preceding paragraph, the Company shall refund the remittance funds and any other amounts received from the Member in accordance with the procedures prescribed by the Company. Any fees or other costs incurred in connection with the refund shall be borne by the Member.

In connection with the Transactions, the Member shall pay the remittance fee and other fees prescribed by the Company in the manner prescribed by the Company.

2. The fees referred to in the preceding paragraph may include fees incurred in connection with the funding, refund, withdrawal or reversal of remittance funds or otherwise in connection with the Services.

3. The types and amounts of fees, payment methods and other details shall be published on the Company’s website or by any other method prescribed by the Company.

The exchange rate applicable to an Overseas Remittance Transaction or Receiving Overseas Remittance Transaction shall be the exchange rate specified by the Company and published on the Company’s website.

If a Member has any questions regarding a Transaction, including the status of remittance funds after submitting a remittance request, or identifies any concern regarding a Transaction, the Member shall promptly contact the Company. The Company may require the Member to complete its prescribed procedures when accepting an inquiry.

2. If the Company receives an inquiry regarding a Transaction from a public authority, partner financial institution or other relevant party, the Company may request information from the Member regarding the Transaction. The Member shall respond promptly to any such request.

3. If it becomes apparent that a Transaction cannot be completed, the Company shall promptly notify the Member and take the cancellation and refund procedures provided for in Article 14.

4. The Company shall use the contact details registered by the Member when contacting or notifying the Member regarding a Transaction.

5. If, in the preceding paragraph, the Company is unable to make an inquiry or provide a notification due to an incomplete or incorrect description of the contact information, the inability to contact the relevant person by telephone or other means, or any other circumstances not attributable to the Company, the Company shall not be liable for any loss or damage arising therefrom.

To appropriately understand the Member’s information and the details of specific Transactions, the Company may require the Member to provide information or submit documents by a specified deadline. If the Member fails to respond by the specified deadline without justifiable reason, the Company may restrict all or part of the Member’s Transactions.

2. If, after considering the Member’s responses and submitted documents, the details of specific Transactions, the Member’s explanations and any other relevant circumstances, the Company determines that there is a risk of money laundering, terrorist financing or violation of applicable economic sanctions laws or regulations, the Company may restrict all or part of the Member’s Transactions.

3. The Company shall lift any restriction imposed under the preceding two paragraphs if it determines, based on the Member’s explanations or other relevant information, that the relevant concerns regarding money laundering, terrorist financing or violation of applicable economic sanctions laws or regulations have been reasonably resolved.

4. To comply with applicable laws and regulations, ensure the security of the Services or prevent unauthorized use, the Company may, without prior notice to the Member, impose restrictions on the conditions of use of the Services, including transaction amounts and frequency, based on the Member’s profile, transaction details and usage patterns.

5. When taking any measure under the preceding paragraphs, the Company shall generally not disclose the reason for such measure, but may disclose all or part of the reason upon the Member’s request.

After a Transaction has become effective, the Member may request a change to the details of the request only if the Company has not completed the payment process. To request a change, the Member shall complete the procedures prescribed by the Company and present the identification document specified by the Company.

2. After a Transaction has become effective, the Member may request cancellation of the request only if the Company has not completed the payment process. To request cancellation, the Member shall complete the procedures prescribed by the Company and present the identification document specified by the Company.

3. The Company may be unable to process a change or cancellation requested under the preceding two paragraphs.

When making any announcement or giving any notice to a Member under these Terms, the Company may do so by posting it on the Company’s website or other relevant platform, sending it to the contact details registered by the Member, or by any other method prescribed by the Company. The Member agrees to receive announcements and notices by any such method.

2. If any announcement or notice under the preceding paragraph is delayed or fails to reach the Member due to inaccurate or incomplete registration information, the Member’s failure to notify the Company of any change, communication conditions or any other reason not attributable to the Company, such announcement or notice shall be deemed to have reached the Member at the time it would ordinarily have reached the Member.

The initial term of use of the Services shall be one year from the date of the Member’s registration. Unless either the Member or the Company gives notice to the contrary, the term shall be automatically renewed for successive periods of one year commencing on the day following the expiration of the then-current term.

2. Upon renewal of the term of use of the Services under the preceding paragraph, the Company may require the Member to submit documents or information prescribed by the Company.

The Member represents and warrants that neither the Member nor any of its officers or other relevant persons currently falls under any of the following categories: an organized crime group; a member of an organized crime group; a person who ceased to be a member of an organized crime group less than five years ago; an associate member of an organized crime group; a company affiliated with an organized crime group; a corporate extortionist; a person or group engaging in criminal activities under the pretext of conducting a social or political campaign; a special organized crime group; a terrorist or similar person; a person subject to economic sanctions designated by the Japanese government or any foreign authority; or any other person equivalent to any of the foregoing (collectively, “Anti-Social Forces”). The Member further represents and warrants that neither the Member nor any of its officers or other relevant persons falls under, or will in the future fall under, any of the following circumstances:

(1) Having a relationship in which Anti-Social Forces are deemed to control its management;

(2) Having a relationship in which Anti-Social Forces are deemed to be substantially involved in its management;

(3) Having a relationship in which the Member is deemed to make improper use of Anti-Social Forces, including for the purpose of obtaining an unlawful benefit for itself, its business or a third party, or causing damage to a third party;

(4) Having a relationship in which the Member is deemed to be involved with Anti-Social Forces by providing funds or benefits to them; or

(5) Having a relationship in which any officer or person substantially involved in its management has a socially reprehensible relationship with Anti-Social Forces.

2. The Member warrants that it shall not, either directly or through any third party, engage in any of the following acts:

(1) Making violent demands;

(2) Making unreasonable demands beyond the scope of legal responsibility;

(3) Using threatening words or conduct, or violence, in connection with any transaction;

(4) Damaging the Company’s reputation or obstructing the Company’s business by spreading false rumors, using fraudulent means or using force; or

(5) Engaging in any other act equivalent or similar to any of the foregoing.

3. If the Company suffers any loss or damage as a result of the Member’s breach of any representation or warranty under the preceding two paragraphs, the Member shall compensate the Company for such loss or damage.

Either the Member or the Company may terminate the Member’s registration at any time for its convenience. A Member wishing to terminate its registration shall submit a termination request in accordance with the procedures prescribed by the Company. No fee shall be charged for such request. Termination shall take effect when the Company completes the prescribed termination procedures. The Company shall not be liable for any loss or damage arising from any event occurring before completion of such procedures. If the Company terminates the Member’s registration at its convenience, the Company shall give notice to the address or contact details registered by the Member. If such notice is delayed or fails to reach the Member, it shall be deemed to have reached the Member at the time it would ordinarily have reached the Member.

2. If any doubt arises concerning any customer identification or verification information or the details of a Transaction, the Company may place the relevant Transaction on hold or suspend it.

3. If the Member does not use the Services for a certain period, the Company may suspend the Member’s use of the Services. To resume use of the Services, the Member may be required to undergo customer identification and verification procedures again.

4. If any of the following circumstances arises, the Company may, without prior notice to the Member, immediately suspend all or part of the Services or terminate the Member’s registration. The Company may be unable to disclose to the Member the reason for such suspension or termination:

(1) If the Company reasonably determines that any Transaction has been or may be used for money laundering, terrorist financing or any transaction in violation of economic sanctions laws or regulations;

(2) If, despite being requested to cooperate with an inquiry conducted for transaction-monitoring purposes or to submit documents supporting the Member’s responses pursuant to the Act on Prevention of Transfer of Criminal Proceeds, the Member refuses to respond or fails to submit the supporting documents, including where the Member fails to contact the Company by the deadline specified by the Company, a written request sent to the Member’s registered address is returned as undeliverable, or the Company is unable to contact the Member at the registered telephone number or other contact details;

(3) If the Company determines that any Transaction has been or may be used for an act that violates applicable laws or regulations or public order and morals;

(4) If the Member intentionally or through gross negligence breaches these Terms;

(5) If an inheritance commences in respect of the Member;

(6) If the Member suspends payments, or if a petition for the commencement of bankruptcy or civil rehabilitation proceedings is filed by or against the Member;

(7) If the Member becomes subject to a suspension of transactions imposed by a clearing house, electronic monetary claims recording institution or any other equivalent institution;

(8) If the Member’s whereabouts become unknown to the Company due to a reason attributable to the Member, including the Member’s failure to notify the Company of a change of address;

(9) In addition to the circumstances specified in Items (6) and (7), if the Member files, or becomes subject to, any court-supervised debt restructuring proceedings, declares the suspension of its business or becomes subject to any other circumstance indicating that the Member has suspended payments;

(10) If the Member is found to fall under any item of Paragraph 1 of the preceding Article or to have committed any act specified in any item of Paragraph 2 of that Article;

(11) If any reasonable grounds arise that make termination necessary, including unauthorized use of the Services by the Member;

(12) If the Member dies or relocates outside Japan, except for a temporary return to the Member’s home country during the Member’s authorized period of stay, or if the Company is informed by the Member’s relative or any other person that the Member has died or relocated outside Japan, subject to the same exception;

(13) If the Member becomes subject to economic sanctions imposed by the Japanese government or any foreign authority; or

(14) In addition to the preceding items, if the Company determines that suspension of the Services is necessary.

5. If the Member’s registration is terminated pursuant to item (1), (2), (3), (4), (10), (11) or (13) of the preceding paragraph, the Company may, to the extent necessary to confirm the reason for such termination and other circumstances relating to the wallet balance and other funds received or managed by the Company for the Member (collectively, the “Wallet Balance and Other Funds”), withhold the return of the Wallet Balance and Other Funds and take any other necessary measures. If it is confirmed that the Member has no legitimate right to receive the return of the Wallet Balance and Other Funds, the Wallet Balance and Other Funds shall become void, and the Company shall have no obligation to return the Wallet Balance and Other Funds.

6. If the Member’s registration is terminated pursuant to item (5), (8) or (12) of Paragraph 4, the Company may withhold the return of the Wallet Balance and Other Funds until the information necessary for such return has been verified. If the Company is unable to confirm the recipient of the return or other relevant matters even after conducting an investigation to a reasonable extent, the Company shall be relieved of its obligation to return the Wallet Balance and Other Funds.

A Member may not assign, pledge or otherwise dispose of any rights under these Terms.

The Company shall not be liable for any loss or damage arising from any of the following:

(1) natural disasters, civil disturbances, war, restrictions imposed by applicable laws or regulations, measures taken by governmental or other public authorities, or any other similar event;

(2) the handling of a Transaction in accordance with the customs or procedures of any relevant country;

(3) any failure or malfunction of communications equipment, terminals, telecommunications lines, computers or other systems, or any garbling, error or omission in electronic communications resulting therefrom, where the Company has implemented reasonable security measures or where such failure, malfunction, garbling, error or omission is not attributable to the Company;

(4) the handling of any termination, notice, inquiry, amendment, cancellation or other request;

(5) any discrepancy in the information provided or any other reason attributable to the Member;

(6) the underlying relationship or arrangement relating to a remittance between the Member and the Receiver or any third party; or

(7) any other reason not attributable to the Company.

2. Except where the relevant loss or damage is attributable to the Company, the Member shall assume all responsibility arising from the use of the Services, and the Company shall not be liable for such loss or damage.

3. Where the Company is liable for damages due to circumstances attributable to the Company, the Company’s liability for damages shall be limited to actual and direct damages arising from such circumstances, and the Company shall not be liable for any damages exceeding the aggregate amount of the remittance amount and remittance fee relating to the Transaction that caused such damages, or the amount received in the Remittance Receiving Transaction that caused such damages, as applicable (or, where multiple Transactions have caused such damages, the aggregate amount of the applicable amounts relating to such Transactions). In addition, except where the Company has acted intentionally or with gross negligence, the Company shall not be liable for any loss of profits, indirect damages, or special damages.

4. Notwithstanding the preceding three paragraphs, if Paragraph 3(1) of the Company’s Compensation Policy for Unauthorized Transactions applies, the matter shall be governed by that Policy.

The Company may, at its discretion, amend these Terms in any of the following circumstances:

(1) If the amendment is in the general interests of the Members; or

(2) If the amendment is not contrary to the purpose of the agreement and is reasonable in light of the necessity for the amendment, the appropriateness of the amended provisions, the details of the amendment and any other circumstances relating to the amendment.

2. When amending these Terms pursuant to the preceding paragraph, the Company shall notify the Members of the details of the amendment and its effective date by posting them on the Company’s website or the Company Mobile App, or by any other method prescribed by the Company.

3. If a Member uses the Services on or after the effective date of the amended Terms, or fails to complete the termination procedures within the period prescribed by the Company, the Member shall be deemed to have agreed to the amended Terms.

Any matter not provided for in these Terms shall be governed by applicable laws and regulations, customs, and the procedures of relevant institutions.

These Terms shall be governed by the laws of Japan. The Tokyo District Court shall have exclusive jurisdiction as the court of first instance over any dispute arising out of or in connection with these Terms.

2. If there is any discrepancy between the Japanese version and any translation into another language of these Terms or any document or electronic record relating to a Transaction, the Japanese version shall prevail.

The maximum amount per Transaction shall be JPY 1,000,000.

2. If the Company receives a transfer request from a Member in excess of the limit specified in the preceding paragraph, the Company shall have no obligation to execute the portion of the transfer exceeding such limit.

Inquiries concerning the Services may be directed to the following:

CITY EXPRESS MONEY TRANSFER JAPAN Co. Ltd. — 2-11-23 Hyakunincho, Shinjuku-ku, Tokyo — Telephone: 03-5925-4121

2. In accordance with the Payment Services Act, the Company has implemented measures under the financial alternative dispute resolution system (“Financial ADR System”). Members wishing to file a complaint or seek resolution of a dispute concerning the Services may contact the following organizations:

Customer Inquiry and Complaint Resolution Contact: Japan Payment Service Association “Customer Consultation Office”, 7th Floor, Hiei Kudan Building, 3-8-11 Kudan-minami, Chiyoda-ku, Tokyo — Telephone: 03-3556-6261

Dispute Resolution Organizations: Tokyo Bar Association 03-3581-0031 · Dai-ichi Tokyo Bar Association 03-3595-8588 · Daini Tokyo Bar Association 03-3581-2249