Terms for Nexus Global Card Members

General clauses
Article 1 (Member qualifications)
1. A member refers to a person who consented to these terms and thenapplied for membership for a credit card issued by Nexus Card Co., Ltd.,(hereinafter referred to as the “Company”) and for whom the Company
approved membership.
2. The member is to bear liability for all obligations based on these terms.
Article 2 (The card’s loaning, management, and expiration date)
1. The credit card stipulated in these terms will be a Nexus Global Card
(hereinafter collectively referred to as the “Card”) that has MasterCard
functions, and the Company will issue and loan the Card that the member
applied for.
2. The Company will issue and loan one Card for one member. Ownershipof the Card will attribute to the Company.
3. In the event that the Card is loaned by the Company, the member is toimmediately sign in the Card’s signature section and then use, store, andmanage the Card with the responsibility of a good manager.
4. The member’s name will be indicated on the front of the Card, the Cardcan be used only by the member, and it is not possible to transfer
possession of the Card to a third party, such as using it for loaning,
entrusting, transferring, pledging, or providing it as collateral to a person
other than the person whose name is indicated on the Card (hereinafterreferred to as “Another Person”). It is not possible to provide the Card’s
information (the member number, expiration date, or security code;hereinafter referred to as the “Card Information”) to Another Person.
5. In the event that the member violates Article 2.3 or 2.4 above and theCard is fraudulently used because of that violation, the member is to bear
all use fees.
6. The Card’s expiration date will be indicated on the Card, and it will berenewed at the Company’s prescribed time.
7. In the event that the Company recognizes that the member continues tobe appropriate as a member, it will send a new Card for which theexpiration date is renewed at the Company’s prescribed time and theTerms of Membership. Provided, however, that in the event that there is
no use of the Card during a certain period stipulated by the Company, a
new Card may not be sent. In addition, when the Company recognizes
that it is necessary and notifies the relevant member, it will be possible tochange the Card’s expiration date to an earlier date.
8. When the member is sent a new Card, he or she is to immediately cut up
the previous Card so that it is in a form in which the Card’s magnetic stripe
portion (in a case of an IC card, the IC chip portion as well at the sametime) is cut up, make the Card into a state in which it cannot be used, andreturn it to the Company at the member’s liability. These terms will beapplied for payment based on use of the Card before the Card’s
expiration date, even if the expiration date has passed.
Article 3 (Annual membership fee)
1. The member is to pay the Company’s prescribed annual membership feeeach year at the Company’s prescribed time. In addition, annual
membership fees that have already been paid will not be returned even if
the member withdraws from membership or member qualifications are
revoked. In the case of payment of only the annual membership fee,issuance of a detailed statement of use fees (invoice) may be omitted.
2. The member is to consent to the fact that, if the annual membership fee
is not paid, it will not be possible to receive privileges as a member.
3. In the event that the annual membership fee is not paid at the relevanttime, the Company may charge payment of the annual membership fee
during or after the following month.
Article 4 (Personal identification number)
1. The member is to submit a personal identification number to theCompany at the time of application for membership, and the Company is
to register the Card’s personal identification number that is submitted by
the member. Provided, however, that the member is to consent inadvance to the fact that, if there is no submission by the member, or if theCompany judges that the number is inappropriate as a personal
identification number, the personal identification number designated by
the Company will be registered or a change will be made.
2. The member is to avoid making the personal identification number anumber that can be easily guessed by Another Person, such as a number
in which the same number continues, such as “0000” or “9999,” or a dateof birth or telephone number, and is to register a number that is difficult toguess by Another Person. In addition, the member is to conduct
management so that the personal identification number that is registered

will not be learned by Another Person.
3. When the personal identification number that is registered is used when
the Card is used, the member is to bear liability for payment for all debts
that arise because of that use, even if there is fraudulent use or anotheraccident concerning the personal identification number. Provided,
however, that in the event that the Company recognizes that there wasno deliberate intention or negligence by the member for management of
the personal identification number, this will not apply.
4. In the event that the Card that the Company loaned to the member is an
IC card, the personal identification number for that Card will be thepersonal identification number that is registered based on Article 4.1. In
the event that the Company recognizes that it is necessary, it may use its
prescribed method to change the personal identification number for the
IC card or reissue an IC card. The old Card before reissuance is to be
returned to the Company.
Article 5 (E-mail address)
1. Either at the time of applying for membership or after becoming a member,the member is to use the Company’s prescribed method to register with
the Company an e-mail address that the member will use.
2. The Company may use the e-mail address of Article 5.1 to notify themember of necessary matters. In the event that the Company will provide
information related to advertising or publicity, it is to use the Company’sprescribed method to obtain the member’s consent in advance.
Article 6 (Incidental services)
1. The member is to be able to use the services or privileges (hereinafterreferred to as the “Incidental Services”) that are provided by the Company
or a third party with which the Company is affiliated (hereinafter referred
to as the “Company Providing Services”) by using the Company’sprescribed method. The Company is to use a method, such as a
document, to give notification of or publicly announce the content of the
Incidental Services that the member can use and the method of use.
2. In the event that there are terms related to use of the Incidental Services,
the member is to follow those terms, and the member is to consent inadvance to the fact that there may be cases in which the Incidental Services
cannot be used.
3. The member is to consent in advance to the fact that, in the event that theCompany or the Company Providing Services has recognized that it isnecessary, the Company or the Company Providing Services may change
or cancel the Incidental Services and their provisions without giving themember advance notice or notification.
Article 7 (Transactions conducted by using telephone or Internet)
1. The member can use the telephone or the Internet to apply for theprescribed Incidental Services that the Company stipulates, making
inquiries to the Company about the content of the member’s use, andgiving notification of changes of registered matters (hereinafter referred toas the “Telephone Transactions”).
2. In principle, the member is to use the method separately stipulated by theCompany to conduct personal identification for a Telephone Transaction,and the member is to consent to the fact that the content of that personal
identification will be recorded or registered and will be saved by theCompany for a suitable period.
Article 8 (The Card’s functions)
The member can use the Card for shopping and services (hereinafterreferred to as the “Card Shopping”) at the Company’s business partners,
member stores of Mitsubishi UFJ NICOS Co., Ltd., and MasterCard
member stores (hereinafter these are collectively referred to as the“Member Stores”).
Article 9 (Limit in which it is possible to use the Card)
1. The limit in which it is possible to use the Card will be within the scope
stipulated by the Company in advance, and the Company is to notify themember of that limit. Provided, however, that in the event that theCompany recognizes that it is appropriate, it can increase or decrease
the amount of the limit in which use is possible.
2. Within the limit in which it is possible to use the Card Shopping, theCompany is to stipulate a limit (hereinafter referred to as the “Installment
Payment Limit”) in which it is possible to use two-time payments, payment
in installments, lump-sum payment at the time of a bonus, and revolving
payments that use a formula (with/in) in which the fixed amount slides
based on the balance (hereinafter referred to as the “Revolving
Payment”). In addition, the member is to consent in advance to the fact
that, in order to correspond to the prescribed requirements of the
Installment Sales Act, the amount that can actually be used will be
reduced or increased within the scope of the Installment Payment Limit.
The member may not use the aforementioned payment methods inexcess of the Installment Payment Limit. In the event that the Card is usedwith the aforementioned payment method in excess of the Installment

Payment Limit, the amount that exceeded the Installment Payment Limit
is to be immediately paid in a lump sum.
3. Excluding cases that were allowed by the Company, the member may
not use the Card in excess of the limit in which use is possible. In addition,in the event that the Card is used, without obtaining the Company’s
approval, in excess of the limit in which use is possible, the member is toimmediately pay in a lump sum the amount that exceeded the limit inwhich use is possible.
4. The limit in which use of the Card is possible outside of Japan will be up
to the amount stipulated by the Company or MasterCard in each country.
5. In the event that the Company judged that the member is inappropriate
as a member, the Company may suspend use of the Card without
notifying the member.
Article 10 (Detailed statement of use fees (invoice) and balance
confirmation)
1. When the Company will charge the member for use fees and service
charges (hereinafter referred to as the “Card Shopping Payment
Amounts”) for the Card Shopping that was conducted by using the Card,it will send the Card’s detailed statement of use fees (invoice) to themember’s registered address in advance. In the event that theCompany’s prescribed procedures have been completed, the Company
is to be able to provide the matters stated in the relevant invoice bysending e-mail or using another electromagnetic method instead of therelevant invoice. Provided, however, that this will not apply in cases inwhich using an electromagnetic method will not be allowed under a law
or ordinance.
2. When the member has not submitted an objection within one week after
the member received the Card’s detailed statement of use fees of Article
10.1 (in the event that the Company sent e-mail or used anotherelectromagnetic method to provide the matters stated in the invoice ofArticle 10.1, after the member has received that e-mail), it will be deemedthat the member consented to the balance and other details stated in that
Card’s detailed statement of use fees.
Article 11 (Payment)
1. The Card Shopping Payment Amounts and all other payment obligations
that the member bears to the Company based on these terms (hereinafter
these are collectively referred to as the “Payment Obligations”) are to be
paid by the method of account transfer from the Company-designatedfinancial institution savings account (hereinafter referred to as the“Transfer Account”) that the member registered with the Company inadvance. Provided, however, that in the event that there is a delay in theregistration of the Transfer Account, inadequacy of procedures for setting
up the Transfer Account for the financial institution, cancellation of an
account transfer agreement with the member’s financial institution, or
another situation in which the Transfer Account was not set up, or inanother case specially designated by the Company, payment is to bemade by another method, such as transfer to the financial institution
account designated by the Company. In the event that, of the methods
designated by the Company, the member remits payment by using a
convenience store, it will be deemed that payment was made to theCompany when the convenience store received payment for the
Payment Obligations and the payment history was reflected to theCompany.
2. In the event that the Company cannot make an account transfer of the
Payment Obligations on the payment date, the member is to pay therelevant Payment Obligations by the method prescribed by the Company.
In addition, based on an agreement with a financial institution, theCompany will be able to make an account transfer for all or a portion of
the Payment Obligations on any date on or after the payment date.
3. In the event that there is a debt that the Company bears to the member,the Company may appropriate it to the Payment Obligations that themember bears to the Company, irrespective of the repayment deadline
for the relevant debt, and the member is to not make an objection aboutthat handling.
Article 12 (Conversion into Japanese yen for use fees for countries
other than Japan)
1. For conversion into yen currency for prices for which the Card is usedoutside Japan, the rate (the financial institution rate designated by
MasterCard) at the time MasterCard’s settlement center processed theuse information will apply. (The exchange rate is not the exchange rate ofthe date when the Card is used in the relevant country.)
2. In relation to conversion for the Card Shopping, the Company’sprescribed clerical processing service charges will be added as a clerical
processing cost for use outside Japan.
Article 13 (Appropriation order for the Payment Obligations)

When the amount paid by the member is insufficient for repaying all of thedebts borne to the Company based on these terms and other agreements,
the member is not to object even if the Company uses the order and methodthat the Company recognizes as appropriate and makes appropriation to
any debt (including debts based on agreements other than these terms)
without notifying the member. The Company is to conduct the appropriation
order for defense of payment suspension of the Revolving Payment in the
Company’s prescribed order.
Article 14 (Service charge rate, and change of interest rate)
1. The Company can change the separately stipulated service charge rate
for payment in installments and the Revolving Payment (hereinaftercollectively referred to as the “Standard Rate”) based on changes of thefinancial situation. The member is to be notified in advance about thechanged Standard Rate.
2. When the Company gives notification of the changed Standard Rate
based on Article 14.1, the member shall not object to the fact that thechanged Standard Rate will be applied thereafter for the total amount of
the unsettled balance (hereinafter collectively referred to as the “Balance”)
for the Revolving Payment at the time the changed Standard Rate isapplied and for use after the change in the Standard Rate.
3. Based on campaigns by the Company, the Company may apply for themember a rate (hereinafter referred to as the “Preferential Rate”) that islower than the Standard Rate. In such a case, the Company will use theCompany’s prescribed method to notify the relevant member of that rate
and the Preferential Rate application period (hereinafter referred to as the“Application Period”). The member is to not object to the fact that, after the
Application Period ends, the Standard Rate will be applied for the entire
amount of the balance, including the Balance for portions of use during
the Application Period, and that the Standard Rate will be applied toportions of use after the Application Period ends.
4. Irrespective of the provisions of Article 14.3, in the event that the member
falls under a matter for loss of the benefit of term stipulated in these terms,
even if it is during the Application Period, the Company’s prescribedStandard Rate will be applied thereafter.
5. Conditions related to application of the Preferential Rate and theApplication Period will be according to the campaign implementation
outline as separately stipulated by the Company. The Company may
follow the stipulations of the campaign implementation outline andchange the conditions related to application of the Preferential Rate orchange the Application Period.
Article 15 (Method in a case of calculation on a daily basis)
When calculation will be conducted on a daily basis under Article 37, Article
38, or Article 39 of the Card Shopping Clauses, calculation on a daily basis
will be conducted by using 365 days (366 days for a leap year) for one yearwith the relevant annual rate as the basis.
Article 16 (Burden of expenses)
1. The member is to bear the expenses stipulated in each of the items below
as required for payment to the Company of the payment amounts basedon use of the Card.
2. In the event that the Company asked a financial institution to conduct
another account transfer because a payment is late, the member is toseparately pay JPY 220 (tax included) per instance as a service charge
for re-transfer, and in the event that a transfer form is sent, the member is
to separately pay JPY 220 (tax included) per one time of sending as aservice charge for sending the transfer form.
3. The member is to bear the expenses (transfer service charges andexpenses that are required for payment at a convenience store) that arenecessary for repaying debts to the Company. Provided, however, thatan exemption will be made for account transfers allowed by the Company.
4. Even after withdrawal from membership, expenses that are necessary
for conclusion of a repayment agreement, such as revenue stamp feesand expenses for creation of notarized documents, and expenses thatare necessary for legal measures, such as expenses for a petition for
demand for payment and delivery expenses, will be the member’s
responsibility. Provided, however, that for expenses that are deemed to
be interest under a law or ordinance, in the event that bearing those
expenses will result in exceeding the maximum stipulated by law orordinance, that excess portion will not be the member’s responsibility.
5. When the member receives issuance of various types of certificates fromthe Company, the member is to pay the Company’s prescribed service
charges.
6. In the event that taxes and public dues will be imposed on expenses thatthe member will pay to the Company, such as the annual membership feeor service charges for reissuance of the Card, or in the event that theamount of taxes and public dues (including consumption and other taxes)
will be increased, the member is to bear the amount equivalent to thosetaxes and public dues or the relevant increased amount.
Article 17 (Theft, loss, or falsification of the Card)
1. When loss or theft of the Card occurs for the member, the member is topromptly contact the Company’s contact office and notify the nearest
police station or police stand of that loss or theft, and then submit theCompany’s prescribed notification form to the Company.
2. In a case of the loss or theft of the Card, or a case in which Another
Person is allowed to use the Card or the Card is used by Another person
in violation of Article 2, those use charges will be the member’s
responsibility, irrespective of whether or not there was a signature.
3. In the event that the notification of loss or theft of Article 17.1 is submitted,
the member will be exempted, irrespective of Article 17.2, from liability fordamage that arises because of Another Person’s use of the Card,
provided that none of the items below apply.
(1) A case in which the theft or loss occurs because of the member’sdeliberate intention or gross negligence(2) A case in which a person related to the member, such as themember’s relative, a person living with the member, a person taking
care of the member’s home while the member is away, or anotherperson taking care of the member’s belongings based on
consignment by the member, is involved or conducts fraudulent use(3) A case in which damage occurs in a situation in which the member’ssignature is not in the signature section of the Card under Article 2.3;
a case in which loss or theft occurs in a situation in which theCompany’s Terms of Membership are being violated(4) A case in which loss or theft occurs during significant disruption of social
order, such as a war or an earthquake(5) A case in which the personal identification number that is registered isused with the Card; Provided, however, that cases attributable to theCompany are excluded.
(6) A case of damage that arises on or before 61 days before theCompany receives the notification of Article 17.1
(7) A case in which the member does not submit a document requestedby the Company, or a case in which a dishonest indication is made ina document that is submitted(8) A case in which the member does not cooperate with an investigation
related to the Card’s loss or theft and the state of incurred damage ordoes not cooperate in order to prevent and reduce damage(9) Another case in which the member does not follow the Company’s
instructions
4. Reissuance will be made only in a case in which the Company
recognizes the loss, theft, damage, or destruction of the Card. The
member is to bear the Company’s prescribed service charge forreissuance (the amount equivalent to the actual expenses within thescope stipulated by laws and ordinances).
5. The Company can change the member number and then reissue theCard in the event that it judged that it is necessary for work such as
management or protection of the Card Information at the Company, andthe member is to consent to this in advance.
6. The member will not bear liability for payment for the Card use fees
related to use of a counterfeit card. In such a case, the member is tocooperate with investigation of the state of incurred damage. Provided,
however, that when there is deliberate intention or negligence by themember for creation or use of a counterfeit card, the member is to bear
liability for payment of the use fees for that counterfeit card.
7. In the event that the Company recognizes that it is necessary, themember is to consent to providing the Card that is lost or stolen andrelated information to the National Police Agency and other related
government offices for the purpose of preventing and resolving crimes
related to the Card.
Article 18 (Re-screening of the member)
After a person becomes a member, the Company will regularly or asnecessary rescreen the member’s eligibility and the limit in which use of theCard is possible. In such a case, for the purpose of provision as materials
for rescreening, the member is to respond to submission of the materials
requested by the Company, such as a certificate of annual income as
stipulated by a law or ordinance or submission of the symbols and numbers
on a residence card or driver’s license issued in Japan (hereinafter referred
to as the “Residence Card”).
Article 19 (Withdrawal from membership or revocation of member
qualifications, and suspension of use and return of theCard)
1. When the member will withdraw from membership for personal
circumstances, the member can withdraw from membership by using themethod of submitting the prescribed notification of withdrawal to theCompany. In such a case, it will be deemed that the member withdrew

from membership upon completion of the Company’s procedures forwithdrawal from membership.
2. In a case of Article 19.1, the Card’s magnetic stripe portion and IC chip
portion are to be cut up, and the relevant Card is to be returned to theCompany immediately.
3. Even after withdrawing from membership, the member is to bear
responsibility, based on these terms, for payment for all of the Card use
fees that arose in relation to the Card.
4. In the event that the member falls under any of the items below, theCompany may suspend all or a portion of the use of the Card, revoke
member qualifications, or initiate legal measures or other necessary
measures without any notification or demand to the member. In addition
to such measures, the Company may notify the Member Stores of theinvalidity of the relevant Card.
(1) A case in which it is revealed that the member made a false
declaration at the time of becoming a member; a case in which
notification related to a matter that should be reported to the Company
is not made or a false declaration is made(2) A case in which the member fails to fulfill any debt to the Company,
such as a payment amount based on use of the Card
(3) A case in which the Company judges that the member’s credit
situation significantly worsened(4) A case in which the member violates or the possibility of violatingthese terms(5) A case in which the Company judges that the state of use of the Cardis not appropriate or is suspicious, such as product purchases for the
purpose of conversion into money(6) A case in which the member uses the Card Shopping limit to purchaseproducts or services for the purpose of conversion into cash(7) A case in which the member hinders the Company’s work
(8) Another case in which the Company judges that the member isincompatible as a member
5. In the event that the member falls under any of the items of Article 19.4,
when the Company or the Member Store requests the return of the Card,the member is to immediately respond to that request. In addition, theCompany will have the member bear all expenses that are necessary forcollection of the Card.
6. Even if none of the items of Article 19.4 apply, in the event that themember’s use of the Card violates these terms, in the event that that use
may violate these terms, or in another suspicious case, the Company canrefuse use of the Card.
7. In the event that the Company recognizes that it is necessary in order toavoid incurring damage due to misuse, the member is to cooperate withreplacement of the Card.
Article 20 (Loss of the benefit of term)
1. In the event that the member falls under any of the items below, themember will, without any notification or demand, naturally lose the benefitof term for all unpaid debts to the Company and is to immediately pay theentire amount of those debts.
(1) A case in which, for the purchase of a product or designated rights ora transaction for receiving service, the member is late in paying the
installment payment amount for payment in installments on thepayment date, the payment portion for payment at the time of a bonus,
or the repayment amount for the Revolving Payment, and despite thefact that the Company stipulates a suitable period of twenty days ormore and makes a written demand to the member for that payment,
the member does not make payment within that period(2) In a case in which the member uses the Card Shopping for one-time
payment, a case in which payment of the relevant payment amountis late even once(3) Even if it is a two-time payment, lump-sum payment at the time of abonus, Revolving Payment, or payment in installments, when
payment of the payment amount for the Card Shopping for rights
other than the designated rights stipulated in the Installment Sales Act
is late even once(4) When payment of a payment amount for the Card Shopping that will
be a sales agreement or service provision agreement (provided,
however, that cases that fall under a personal business opportunity
sales contract or a personal multilevel marketing contract stipulated in
the Installment Sales Act (hereinafter these contracts are collectively
referred to as the “Personal Business Opportunity Sales Contract”)
are excluded) that the member concluded for the purpose of businessor as business is late even once(5) In addition to Article 20.1.4, when payment of a payment amount for
the Card Shopping that falls under a case stipulated in Article 35-360.1 (Exclusion from application) of the Installment Sales Act is lateeven once(6) A case in which a draft or check issued or undertaken by the member
is dishonored, or a case in which ordinary payment is suspended(7) A case in which the member receives a motion for seizure, provisional
seizure, preservative seizure, or provisional disposition (Provided,
however, that matters that are not related to credit are excluded.)(8) A case in which the member receives disposition for failure to pay
taxes or disposition by suspension of bank transactions(9) A case in which the member receives a motion for commencement ofbankruptcy procedures, commencement of civil rehabilitation
procedures, commencement of special liquidation, orcommencement of corporate reorganization, or a case in which themember makes such a motion(10) A case in which the member receives a motion for an out-of-court
settlement or arbitration for the purpose of adjustment of debts, or acase in which the member makes such a motion(11) A case in which the Company receives notification of the fact that arequest is made to an attorney for the purpose of adjustment of debts
for the member(12) A case in which the member makes a pledge, transfer, or loan of apurchased product (including rights) or another action that infringes
the Company’s ownership(13) A case in which the Company revokes member qualifications
2. In the event that the member falls under any of the items below based ona request by the Company, the member will lose the benefit of term for all
unpaid debts to the Company and is to immediately pay the total amountof those debts.
(1) A case in which the member violates an obligation based on theseterms and that violation will be a serious violation of these terms(2) When the Company is guaranteeing a debt of the member that differsfrom a debt for the Card, a case in which the Company makes a
proposal for cancellation of the guarantee or agreement cancellation
to the party to which the guarantee is made, or a case in which arequest for performance of the guaranteed debt is received from theparty to which the guarantee is made(3) A case of inheritance(4) Another case in which the member’s credit situation significantly
worsens(5) In the event that the member possesses multiple Cards issued by theCompany, a case in which a reason that falls under any of the mattersstated in this article arises for one of those Cards(6) When the member changes his or her address without notifying theCompany or the member’s location is unknown to the Company(7) When, despite the fact that written notification from the Company issent to the address on the application form (in a case in which
notification of an address change is given, the address after thatchange), the notification does not arrive because the new address is
unknown, the address is not applicable, or receipt is refused, and a
25-day period passes after the date the relevant notification was sent
(Provided, however, that cases when there is a valid reason for thefact that a notification does not arrive and the person to which thenotification is addressed proved that fact will be excluded)(8) When a false declaration was made when the member applied formembership(9) When, for a company managed by the member, there is a motion forcommencement of bankruptcy procedures, commencement ofspecial liquidation, commencement of corporate reorganization
procedures, or commencement of civil rehabilitation procedures, ordisbandment or other abolition of business
Article 21 (Changes of notified matters)
1. In the event of a change in the name, address, telephone number(contact information), place of work, designated account, or e-mailaddress reported to the Company, the member is to promptly notify theCompany, and the change will be made when the member gives
notification by the prescribed notification form or the method stipulated by
the Company and completes the Company’s prescribed procedures.
2. In the event a member fails to conduct the notification of change ofaddress or name of Article 21.1, the member is not to object to the factthat the Company will deem that a notification or document sent by theCompany arrived on the date when it should ordinarily arrive, even if it
arrived late or did not arrive. Provided, however, that when the member
had unavoidable circumstances concerning the fact that the notificationof change of address or name of Article 21.1 is not made and the member
proves those circumstances, this will not apply.
3. When a notification that the Company sends to the member is detainedat the post office because the member is absent, when the period ofdetention expires or receipt is refused it will be deemed that the
notification arrived at the member at the time of refusal of receipt.
Provided, however, that when the member has unavoidable
circumstances and the member proves those circumstances, this will not
apply.
4. In the event of any agreements other than these terms between themember and the Company, if the member gives notification of a changeof address, name, or place of work (contact information) for an agreement
other than these terms, it will be deemed that notification of a change ismade for all of the agreements between the member and the Company.
5. In addition to Article 21.1 through Article 21.4, in the event that theCompany rationally judges that there is a change in a notified matter, basedon personal information or other information obtained by a lawful andproper method, it may handle the matter as though there is notification for
the relevant changed content. The member is to consent, without objection,
to that handling.
Article 22 (Application of laws and ordinances for foreign exchange
and foreign trade control)
In the event that the Card will be used outside Japan, when a license,
certificate, or other document is necessary based on a law, ordinance, orrule that is currently applied or that will be applied in the future, the member
is to submit that document in response to a request by the Company.
Article 23 (Consent for acquisition of a resident’s card)
The member is to consent in advance to the fact that, in the event that theCompany recognizes that it is necessary for screening for this application,
for screening for credit management during membership, or for receivables
management, the Company will acquire and use the member’s resident’s
card, income tax withholding slip, or certificate of income.
Article 24 (Exclusion of anti-social forces)
1. The member declares and firmly promises that he or she currently does
not fall under an organized crime group, a member of an organized crimegroup, a person who was a member of an organized crime group within
the last five years, a semi-constituent member of an organized crimegroup, a company related to an organized crime group, a corporate
racketeer, a socially-branded racketeering organization, an organizedcrime group specialized in intellectual crimes, or a party that is equivalent
to one of these things (hereinafter these are referred to as the “Memberof an Organized Crime Group”), that he or she does not fall under any of
the items below, and that he or she will not fall under any of these thingsin the future.
(1) Having a relationship wherein the Member of an Organized Crime
Group is controlling management(2) Having a relationship wherein the Member of an Organized Crime
Group is substantially involved in management(3) Having a relationship wherein the Member of an Organized Crime
Group is being unjustly used for the purpose of obtaining unjust profit
for the member, the member’s company, or a third party or for the
purpose of causing damage to a third party(4) Having a relationship wherein funds are being provided oradvantages are being given to the Member of an Organized Crime
Group(5) A board member or a person who is substantially involved inmanagement has a socially reprehensible relationship with theMember of an Organized Crime Group
2. The member firmly promises that he or she will not, either personally or
through a third party, conduct any of the following: (i) violent demands oractions; (ii) unjust demands or actions that exceed legal responsibility;(iii) threatening words or actions, or actions that use violence in relation
to a transaction; (iv) actions of spreading rumors, using fraudulent means,or using power to damage the Company’s reputation or hinder theCompany’s business; or (v) other actions that are equivalent to thepreceding descriptions.
Article 25 (Submission of a certificate of annual income)The member is to consent to the matters below in advance in relation to
being asked by the Company to provide a document (hereinafter referred
to as the “Certificate of Annual Income”) that clarifies income, revenue, orother financial resources, such as an income tax withholding slip.
(1) When the member is asked to provide the Certificate of Annual
Income, the member will cooperate with that provision.
(2) The Company will check the content of the submitted Certificate ofAnnual Income and use it to investigate the ability for repayment.
(3) It is not possible to return the submitted Certificate of Annual Income
to the member.
(4) When the member does not cooperate with the submission of theCertificate of Annual Income or, even if the member cooperates withthe submission of the Certificate of Annual Income, depending on theresult of an investigation of the content of the relevant document andthe ability for repayment, there may be suspension of the use of theCard or a change to the limit in which use is possible.
Article 26 (Confirmation at the time of a transaction)
1. In the event that procedures for confirmation at the time of a transaction(confirmation of matters that are specific for the relevant person (name,address, and date of birth), transaction purpose, and occupation) basedon the “Act on Prevention of Transfer of Criminal Proceeds” are notcompleted within the Company’s prescribed period, the Company may
refuse membership, revoke member qualifications, or suspend use of allor a portion of the Card.
2. As an identity verification document at the time of application for the Card,the member is to submit one document (an identity verification document
associated with the Act on Prevention of Transfer of Criminal Proceeds)
in addition to a residence card or a special permanent resident certificate.
Article 27 (Invitations related to agreements for loans)
The member is to consent in advance to the fact that the Company will use
telephone calls, postal mail, or e-mail to make invitations related toagreements for loans. Provided, however, that the member can make aproposal to the Company and thereby refuse invitations related toagreements for loans.
Article 28 (Proposal for suspension of information such as
promotional materials)
For promotional materials and printed materials provided by the Company,
the member can make a proposal to the Company and thereby suspend
promotional materials and printed materials for the period desired by themember.
Article 29 (Accessing and copying account books)
The member can access and copy the member’s own history of use of theCard based on the Company’s prescribed procedures. The place for accessand copying will be the contact office of the Company’s head office orbranch. In order to confirm the member or the member’s representative, theCompany is to request submission of the Residence Card as ID and, in thecase of the member’s representative, a necessary document such as aletter of proxy.
Article 30 (Governing laws)
The laws of Japan will be applied for all governing laws related toagreements between the member and the Company.
Article 31 (Changes of the terms)
1. In the event that the Company changes the content of these terms basedon Article 548-4 of the revised Civil Code, the Company will give themember notification (including notification by an electromagnetic method)of the changed content or make an announcement within thirty days.
When the member subsequently uses the Card, it will be deemed that themember consents to the changes or the new Terms of Membership. In
addition, even in the event that the Card is not used, if the member does
not make an objection about the change within a certain period, theCompany will deem that the member consents to the relevant changed
matter.
2. In the event that the member does not consent to these terms, thatmember or the Company can cancel the agreement, and the member is
to cut up the Card’s magnetic stripe portion and IC chip portion before
beginning use of the Card, return the Card to the Company, and conduct
the Company’s prescribed procedures to withdraw from membership.
Article 32 (Court of agreed jurisdiction)
The member is to agree to the fact that, in the event of a dispute arisingconcerning these terms, the summary court or district court that has
jurisdiction over the member’s dwelling place, the place of the agreement,or the Company’s head office, individual branch, or office will be the court ofjurisdiction, irrespective of the amount in dispute.
Article 33 (Agreement about transfer of the Card’s use credits)
The member is to agree in advance that, in the event that the Company
recognizes that it is necessary, the Company will transfer credits that it has
against the member to a credit collection agency and acquire or provide
information that is necessary for credit management.
Article 34 (Use of the Card outside Japan)
The matters below will be applied for use of the Card outside Japan.
(i) In the event that the price for the purchase of an item is in foreign currency,
the Company will have the member pay the amount converted toJapanese yen based on a method stipulated by the Company or aninternational affiliated organization.
(ii) In principle, the method of payment for the price for the purchase of an
item will be a one-time payment(iii) The laws of Japan, including the Foreign Exchange and Foreign Trade
Act, will be applied for all of the matters of these terms.
(iv) The Company can, at any time, cancel or suspend use of the Card incountries designated by the Company.
Card Shopping Clauses
Article 35 (Method of using the Card Shopping)
1. After consenting to these terms, the member can present the Card at a
Member Store, write his or her signature on the prescribed sales slip in
the same way as the signature on the Card, and thereby use the Card for
shopping, work, or a service.
2. In some cases, signing the sales slip may be substituted by completing
the Company’s prescribed procedures on a terminal installed in a
Member Store. In addition, in cases that are specially allowed by theCompany, such as electronic commerce, mail order, or sale by telephone
reservation, the member can omit presentation of the Card and signing
the sales slip by using a method designated by the Company. In such acase, an inquiry may be made about the personal identification number
or the code stated on the back of the Card. In addition, in the event that
the Company allows it, presentation of the Card may be omitted and amethod that substitutes for that presentation may be used.
3. The member is to entrust to the Company the Company’s advancepayment of the use fees for the Card Shopping to the Member Stores onbehalf of the member and is to pay the Card Shopping payment amounts(the amounts that result from adding service charges to the use fees for
the Card Shopping) to the Company.
4. The member can purchase products and receive services at Member
Stores with which a credit card company or financial institution affiliatedwith the Company concluded an agreement and at Member Stores withwhich a credit card company or financial institution that is a member ofMasterCard concluded an agreement.
5. For portions of products, rights, or services, such as use amounts orvouchers that are particularly stipulated by the Company or an affiliatedcredit card company or Member Store, use of the Card Shopping may be
restricted or use may not be possible. In addition, in the event that theCompany judges that the member’s use of the Card is not appropriate,such as use of the Card for an overseas gambling transaction using theInternet or use of the Card for a shopping transaction for the purpose of
conversion to money, the Company can refuse use of the Card.
Furthermore, in some cases the Company’s consent may be necessary
for use of the Card, depending on the use amount or the type of product,right, or service. In such a case, the Member Store is to make an inquiry
to the Company, and the member is to consent to this in advance.
6. In the event that the Company recognizes that it is appropriate, themember can use the Card Shopping by registering the prescribed matterssuch as the member number with a Member Store in advance, as ameans of settling communication service fees and other types of use feesthat will arise continuously. In such a case, when there is the loss ofmember qualifications due to withdrawal from membership or anotherreason, a change in the member number, or another change in therelevant registered content, the member is to notify the Member Store,
and the member is to bear responsibility for failing to make that notification.
Provided, however, that the member is to consent in advance to theCompany notifying the Member Store on behalf of the member, andbased on a request by the Member Store, of the relevant changed
information.
7. The member is to consent in advance to the fact that, for the purpose of
preventing fraudulent use of the Card by third parties when the Card ispresented to a Member Store for use of the Card Shopping or when theCard Information was reported, in the event that the Company receives arequest for confirmation from the relevant Member Store, the Company
may verify the member’s member number, name, home address,
telephone number, and other information that the user of the relevant
Card Shopping reported to the Member Store against the personal
information that the member reported to the Company, and then reply tothe relevant Member Store about whether or not the information matches.
8. In the event that the Company recognizes that it is necessary in order toavoid fraudulent use of the Card by a third party, the Company may ask a
Member Store to investigate the member’s identity at the time of use of
the Card Shopping, and the member is to consent in advance tocooperating with the investigation.
Article 36 (Special agreement associated with retention of ownership)
The member is to consent in advance that ownership of a productpurchased with the Card will transfer from a Member Store to the Company
by the Company having made payment on behalf of the member inadvance, and that ownership will be retained by the Company until
complete repayment of the debt for the relevant product, and the member
is to comply with the matters below.

(1) Managing the product with the care of a good manager and not pledging,transferring, loaning, or conducting other actions that will infringe theCompany’s ownership(2) In the event that there is a possibility that the product’s ownership will be
infringed by a third party, promptly contacting the Company about that
fact, and striving to eliminate that infringement by asserting and provingthat the Company owns the product(3) The member is to consent in advance to the fact that, in the event thatthe member loses the benefit of term based on the aforementioned
Article 20, the Company can take over the product based on theownership that is retained, and the Company can appropriate that
product, at a suitable price decided by the Company, to unpaid debts
based on these terms. When an insufficiency arises, settlement is to bemade immediately between the member and the Company.
Article 37 (Method of paying the Card Shopping Payment Amounts)
1. The method of remitting payment for use of the Card Shopping at a
Member Store will be according to the method below.
(1) The payment method for the Card Shopping will be the method thatthe member designates, either at the time of becoming a member orwhen using the Card, from among one-time payment, two-time
payment, payment in installments, lump-sum payment at the time ofa bonus, or Revolving Payment.
(2) The payment method will be as stated below.
(i) In the case of one-time payment, use fees are paid in a lump sum
in the following month.
(ii) In the case of two-time payment, use fees are paid in the amountof one-half each time in the following month and the month after
the following month, and in the event that a fraction arises, it is to
be included and paid in the initial payment month. Provided,
however, that the unit for installment payment amounts will be
JPY 100, and in the event that a fraction arises, it is added andincluded in the first payment.
(iii) In the case of payment in installments, the total payment amountfor the Card Shopping will be the amount that results from adding
the use fees to the service charges for payment in installments asstated in the attached table “Information About the Payment
Method for the Card Shopping.” In addition, the installment
payment amounts will be the amounts that result from dividing thetotal payment amount for the Card Shopping by the number ofpayments. Provided, however, that the unit for installment
payment amounts will be JPY 100, and in the event that a fraction
arises, it is added and included in the first payment. (Provided,
however, that service charges for payment in installments may
differ depending on the Member Store.)(iv) In the case of a lump-sum payment at the time of a bonus, thebonus payment month will be either July or August for summer
and either December or January for winter, the handling period
will be limited to the Company’s prescribed period, and theCompany will have the member make the lump-sum payment in
the bonus payment month. (Provided, however, that the period inwhich use is possible, the amount, and the payment month thatcan be selected may be restricted depending on the Member
Store.)(v) In the case of the Revolving Payment, it will be the payment course(the revolving payment course in the attached table “Information
About the Payment Method for the Card Shopping”) that themember selected from the Company’s prescribed formula (aformula (with/in) in which the fixed amount slides based on thebalance Revolving Payment).
The relevant repayment amount is to include a service charge ofan 18.00% actual annual interest rate for the balance.
(vi) In the event that the balance for the Revolving Payment and thetotal amount of service charges are less than the repayment
amount for the payment course that the member designates, that
total amount will be the repayment amount. In addition, in the eventthat the balance exceeds the use limit for revolving, the Company
will have the member repay the excess portion in a lump sum.
Provided, however, that in a case that was specially allowed by theCompany, the member will make repayment after completing theprocedures by the method stipulated by the Company.
(3) For the payment amount for the Card Shopping, the Company will
have the member pay the Company’s prescribed closed portion(closing on the 15th of the month) on the payment date designated by
the Company (if it is a day when financial institutions are closed, thefollowing business day).
2. In the event that the Card Shopping will be used in Japan at a Member

Store with which the Company’s affiliated credit card company or financial
institution stipulated in Article 35.4 concluded an agreement, there will be
restrictions for the payment method.
3. For the month of beginning payment for the Card Shopping, due toclerical circumstances it may be changed to during or after the month after
the following month.
4. The Company may revise the service charges for payment in installments
and the service charges for the Revolving Payment due to changes in thefinancial situation. Irrespective of the provisions of Article 37.1, themember is to consent in advance to the fact that, when the Company
gives notification of an interest rate change, the revised interest rate will
also be applied to the entire amount of the revolving use balance at thetime when notification is made.
Article 38 (Late payment charge)
1. In the event that the member is late in remitting payment amount for theCard Shopping, the member is to pay a late payment charge of theamount that results from multiplying the annual rate below (calculation ona daily basis using 365 days a year; provided, however, that 366 days will
be used for a leap year) by the relevant payment amount from the dateafter the payment date until the date when payment is completed.
(1) For a transaction that is payment in installments or payment at thetime of a bonus and that is related to the purchase of a product or adesignated right or receipt of a service, the amount that results frommultiplying an annual 14.6% by the relevant payment portion or theamount that results from multiplying the statutory interest rate by the
total remaining amount of the payment amount for the Card Shopping,whichever amount is less; provided, however, that for a transaction forwhich the Company charged a lump sum in the following monthbased on Article 9.3 or Article 37.1 (2) (vi), the amount that results frommultiplying an annual 14.6% by the relevant payment portion(2) Irrespective of the provisions of the previous item, for a transaction that
falls under Article 35-3-60.1 of the Installment Sales Act or a Card
Shopping transaction that does not fall under a transaction stipulated
in the previous item, the amount that results from multiplying anannual 14.6% by the relevant payment portion
2. When the member loses the benefit of term, the member is to pay a latepayment charge of the amount that results from multiplying the annual
rate below by the entire amount of the balance of the payment amountfor the Card Shopping from the date after the loss of the benefit of term
until the date of complete repayment.
(1) For a transaction of Article 38.1 (1), the amount that results frommultiplying the statutory interest rate by the total remaining amount of
the Card Shopping Payment Amounts(2) For a transaction of Article 38.1 (2), the amount that results frommultiplying an annual 14.6% by the total remaining amount of theCard Shopping Payment Amounts
Article 39 (Advanced repayment of the Card Shopping Payment
Amounts)
1. For moving repayment of all or a portion of the Card Shopping Payment
Amounts forward and making payment before the agreed repayment
date stipulated in these terms (hereinafter referred to as the “Advanced
Repayment”), the member is to contact the Company in advance andobtain the Company’s consent.
2. At the time of the advance contact stipulated in Article 39.1, the member
is to designate the scope in which the Advanced Repayment will be
conducted, the repayment method, and the payment date, and theCompany will follow that designation and notify the member of the amountthat should be paid at the time of the relevant payment date. The scopeof the Advanced Repayment and the repayment method that the member
can designate are as stated in the table below.
Scope of
Payment method
repayment or
Repayment method
payment
Payment ininstallments

Revolving
Payment

Only the entire
amountTransfer to the Company’s
designated accountThe entire
amountTransfer to the Company’s
designated account

A portion

Transfer to the Company’s
designated account

3. In the event that payment to the Company falls under any of the items
below, the Company can, without notifying the member, deem that therelevant payment was repaid on the Company’s prescribed date and use
the Company’s prescribed order and method to conduct appropriation toany debt to the Company (including debts based on agreements otherthan these terms) or, in the event that there is a surplus amount, give arefund by account transfer or postal money order.
(1) When it is conducted without contacting the Company in advance orwithout the Company’s consent(2) When it falls under an item below, even if the Company is contacted inadvance and the Company consents(i) When it is conducted on a date that differs from the payment date thatis designated at the time of advance contact(ii) When it is conducted by a method that differs from the repayment
method that is designated at the time of advance contact(iii) When there is payment of an amount that differs from the amount for
which the Company gives notification by following the member’s
designation at the time of advance contact
4. When the member performed payment of the Card Shopping agreed
payment amount and paid the balance in a lump sum during the agreed
payment period, the member can claim from the Company a refund of anamount according to the Company’s prescribed ratio from among the
installment service charges for which the deadline has not arrived andwherein the amounts were calculated by using the Company’s prescribedcalculation method.
(1) Of the service charges for payment in installments in a case of
payment in installments, refund calculation for the portion for which
the deadline has not arrived will be conducted by a calculation methodthat uses a seven-eighths method of proportionally dividing the total
amount of service charges by the number of times of installments andthen accounting revenue each time a repayment date arrives.
(2) There will be no refund for all or any portion of the Advanced
Repayment in a case of the Revolving Payment.
Article 40 (Cancellation of a sales agreement due to a difference
between a sample or catalog and provided content)
In the event that a product that is delivered or work (including services;hereinafter the same) that is provided in a case in which the member makes
an application to a Member Store based on a sample or catalog clearly
differs from the sample or catalog, the member can ask the Member Storefor replacement of the product or re-provision of the work or cancel the
relevant sales agreement or cancel the agreement for provision of work.
When a sales agreement is cancelled, the member is to promptly notify theCompany of that fact.
Article 41 (Defense for suspension of payment)
1. When there is a reason stated below, the member can, during the period
until that reason is eliminated, suspend payment of the Card Shopping
Payment Amounts for the product, right, or service for which the relevant
reason exists. Provided, however, that it is not possible to suspend payment
for rights other than the designated rights stipulated in the Installment Sales
Act.
(1) A case in which a product is not delivered, a right is not transferred, orservice is not provided(2) A case in which there is a defect (flaw) in the product, right, or service(3) Another case in which there is a reason for protest that has arisen
against the Member Store concerning sale of a product or right orprovision of a service
2. When the member notified the Company of the fact that it will conduct thesuspension of payment of Article 41.1, the Company is to immediately
complete the required procedures.
3. When the member will make the notification of Article 41.2, the member
is to strive in advance to conduct negotiations with the Member Store forthe purpose of elimination of the aforementioned reason.
4. When the member makes the notification of Article 41.2, the member is
to strive to promptly submit to the Company a document (if there arematerials, they are to be attached) that states the reason from Article 41.1.
In addition, when it is necessary for the Company to investigate thereason of Article 41.1, the member is to cooperate with that investigation.
5. Irrespective of the provisions of Article 41.1, when any of the reasons
below applies, it will not be possible to suspend payment. In such a case,both parties are to resolve the dispute between the member and theMember Store.
(1) When use of the Card will not receive application of the Installment Sales
Act(2) Even in the event that use of the Card will receive application of the
Installment Sales Act, when the sales agreement falls under Article 353-60.1 of the Installment Sales Act(3) When the total payment amount for one instance of use of the Card isless than JPY 40,000; provided, however, that in a case of the Revolving
Payment, when the cash-sale price for one instance of use of the Cardis less than JPY 38,000(4) When the member’s suspension of payment goes against good faith(5) When the Card is used outside Japan(6) When an action infringes the Company’s credit(7) When a reason of one of the items of Article 41.1 is attributable to themember
6. When the member’s notification of a protest is related to the Revolving
Payment, the Company can charge the member for the payment portion
calculated based on the amount that results from deducting the amountequivalent to the price of the product for which the relevant reason forprotest exists from the balance of the debt for the Revolving Payment.
Special Agreement for Service for Changing the Method of Using
and Paying for Shopping, and for Service for Advance Registrationof the Payment Method for Revolving Payment for ShoppingThis special agreement will be applied only to a member who registered the“service for changing the method of using and paying for shopping(commonly referred to as “changing to revolving”)” (hereinafter referred toas the “Change to Revolving”) or the “service for advance registration ofrevolving payment for shopping (commonly referred to as “automatic
revolving”)” (hereinafter referred to as the “Automatic Revolving”; both
services are collectively referred to as the “Services”).
Article 42 (Service content)
1. The Change to Revolving service refers to a service by which, for theCard Shopping use fees for which the member designates one-time
payment, two-time payment, payment in installments, or lump-sum
payment at the time of a bonus as the payment method when the Card isused, it is possible, after use of the Card, to notify the Company by thedate separately stipulated by the Company of the fact that the member
wants to change the payment method for the relevant Card Shopping use
fees to the “Revolving Payment” and, without changing the initial payment
date, change the payment method.
2. The Automatic Revolving is a service by which the member can giveadvance notification before using the Card, and thereby make payment
by changing the payment method for the Card Shopping that isdesignated as one-time payment in the following month to the Revolving
Payment beginning with use after that notification.
Article 43 (Payment of service charges and change of the payment
method)1. The Services can be used only in cases allowed by the Company, andthe payment method will be registered for the one-time payment, two-time
payment, payment in installments, or use fees for lump-sum payment at
the time of a bonus for which notification is received under Article 42.1 andthe Card Shopping one-time payment after the notification of Article 42.2.
2. In the event that the registration of Article 43.1 is made, the member is tofollow the revolving payment provisions stipulated in the Card Shopping
Clauses of the Card’s Terms of Membership and, in addition to therelevant Card Shopping use fees, pay the revolving payment service
charges to the Company.
3. In the event that the registration of Article 43.1 is made, it will not be possible
to subsequently cancel or change the registration.
4. In the event that the Revolving Payment or another installment transaction
is changed because of change of the payment method, the limit in which use
is possible for an installment transaction may not be exceeded.
Article 44 (Other matters)
In the event that the change of the payment method stipulated in Article 43
is registered, a document about that change may be issued by issuingdetails of the Card use fees to the member instead of issuing a registration
document.

Deposit Clauses
Article 45 (Entrustment of a deposit)
1. As collateral for all debts based on these terms, the member is toentrust a deposit to the Company based on the stipulations of each of
the items below. Interest is not to be added to the deposit.
(1) The amount of the deposit that is entrusted will be the amount that
results from multiplying the ratio stipulated by the Company by theCard’s limit in which use is possible within the scope that does notexceed the Card’s limit in which use is possible, and the amount will
be separately indicated to the member.
(2) For the deposit, the amount that the Company indicates by following
the stipulations of Article 45.1 (1) is to be entrusted by the method
designated by the Company and by the date designated by theCompany.
2. In the event that the member does not entrust the deposit by the datedesignated by the Company based on Article 45.1.2, handling will be
conducted as though the member withdrew from membership for theCard.
3. It will not be possible to transfer to a third party or pledge the right toclaim return of the deposit.
Article 46 (Return of the deposit)
1. In the event that the member falls under Article 19.1 or Article 19.4, theCompany is to confirm that all of the debts based on these terms havebeen eliminated and then return the deposit by remittance to theTransfer Account in Japan. In addition, for a member who has notregistered an Transfer Account in Japan with the Company, theCompany is to obtain the member’s consent and then return the depositby sending a postal money order to the member’s notified address inJapan. Provided, however, that the member is to bear the expenses that
arose for returning the deposit, and is to not object to the fact that return
will be made after deducting those expenses from the deposit.
2. Irrespective of the stipulations of Article 46.1, in the event that theCompany judges that there is a possibility that a debt that the member
should bear based on these terms will arise in the future, the Company
can withhold return of the deposit until that possibility is eliminated.
Article 47 (Appropriation using the deposit)
1. The Company can, based on its own judgment, appropriate the deposit
to any debts based on these terms.
2. In the event that payment is three months late, the member is to not
object event if the Company appropriates the deposit to any debt basedon these terms without notifying the member.
3. In the event that notification of being entrusted with adjustment of debts
is received from an attorney, the member is to not object even if theCompany appropriates the deposit to any debt based on these terms
without notifying the member.
4. In the event that the amount is insufficient for completely repaying
unpaid debts even by appropriation of the deposit, the member is not to
object even if the Company conducts appropriation to unpaid debts byusing the order and method that the Company recognizes asappropriate without notifying the member.
5. In the event that there is a remaining deposit after the deposit isappropriated based on Article 47.4, that deposit is to be returned inaccordance with Article 46.
6. In the event that unpaid debts remain after deposit appropriation, themember is to immediately pay the entire amount of unpaid debts.

Article 48 (Notification of foreign PEPs)
In the event that the member falls under a foreign government dignitary, afamily member of a foreign government dignitary, or a company substantiallycontrolled by a foreign government dignitary (collectively referred to as the“Foreign PEPs”), the member is to notify the Company by using theCompany’s prescribed method. In the event that the member falls under theForeign PEPs, in order to correspond to laws and ordinances there may be
restriction of some use.
Information About the Payment Method for the Card Shopping(Attached Table)◎ Payment in a designated number of times: Number of times of
payment, payment period, and actual annual interest rate
Number
2
3
4
5
6
7
of
1 timetimes times times times times times
payments
Payment
period(number
1
2
3
4
5
6
7
of
months)Actualannual14.70 15.64 16.25 16.68 16.98
00interest
rate (%)

0

0

2.46

Amount ofservicecharges forpayment ininstallments, per JPY
100 of use
fees (JPY)

8
times

10
times

12
times

15
times

18
times

20
times

24
times

8

10

12

15

18

20

24

17.21

17.51

17.69

17.84

17.89

17.90

17.88

6.56

8.20

9.84

12.30

14.76

16.40

19.68

(*In some cases, there may be restrictions on the number of times use ispossible, depending on the Member Store.)
Payment
Payment period / Number ofInterest rate
methodtimes
Payment in a
(Payment on the prescribed
Actual annual interest
designateddate of each month,rate
number of
beginning in the following
14.70% to 17.90%
timesmonth)● Example of repayment by payment in installments: A case in which ten timesof payment were used for JPY 100,000 (including consumption tax)
Service charges for payment in installments JPY 100,000 × (JPY 8.20/JPY
100) = JPY 8,200
Total payment amount JPY 100,000 + JPY 8,200 = JPY 108,200
Installment payment amount JPY 108,200 ÷ 10 times = JPY 10,820
First time JPY 11,000

Next time JPY 10,800◎Revolving payment(Revolving payment course)

Other Clauses

Amount ofservicecharges forpayment ininstallments, per JPY
100 of use
fees (JPY)

Numberofpayments
Payment
period(numberofmonths)Actualannualinterest
rate (%)

3.28

4.10

4.92

5.74

Use balance for revolving
Each month’s repayment amount
100,000 yen
5,000 yen
200,000 yen
10,000 yen
300,000 yen
15,000 yen
For use of revolving payment that exceeds 300,000 yen, the amountwill increase 5,000 yen each for each increase of 100,000 yen.
● Example of repayment by revolving payment: A case of a balance of
JPY 100,000 and a monthly amount of JPY 5,000 for revolving repayment(actual annual interest rate 18.00%, calculation on a daily basis) and closing
on the 15th of each month
Payment date: The 6th of the following month
Specific calculation example
A case of new use of revolving payment for JPY 100,000 on January 1
Initial service charges: JPY 100,000 × 18.00% ÷ 365 days × 22 days = JPY
1,084
Appropriation of principal: JPY 5,000 - JPY 1,084 = JPY 3,916
Second time
Use balance: JPY 96,084
The relevant month’s repayment
amount: JPY 5,000
Appropriation of service charges: JPY 96,084 × 18.00% ÷ 365 days × 28
days = JPY 1,326
Appropriation of principal: JPY 5,000 – JPY 1,326 = JPY 3,674*Fractions will be included in the final repayment amount.
*This is an ordinary example that does not consider cases in which thepayment date (the prescribed date each month) is a Saturday, Sunday, or
holiday, and it differs from the use details.

Agreement Clauses Related to Handling (Collection,

Possession, Use, and Provision) of Personal Information
Article 1 (Agreement for collection, possession, and use of personal
information for the purpose of credit)
1. An applicant for membership for the Card or a member (hereinaftercollectively referred to as the “Member”) is to agree to the fact that Nexus
Card Co., Ltd., (hereinafter referred to as the “Company”) will, based onthese terms and for the purpose of credit judgment for transactions with
the Company, including a transaction agreement for the Card
(hereinafter referred to as the “Agreement”; also includes an application
for the Agreement; hereinafter the same), and management after credit
is granted, take protection measures for the information below(hereinafter collectively referred to as the “Personal Information”) andthen collect, retain, and use it.
(1) The name, gender, age, date of birth, address, telephone number,
mobile telephone number, e-mail address, place of work (details aboutplace of work), family composition, housing situation, and mattersrelated to a driver’s license that the Member stated in the Company’sprescribed application form (including information about changes that
the Company learned by receiving notification from the applicant or theMember after conclusion of the Agreement)(2) Information related to the content of the Agreement, such as the typesof agreements related to the Agreement, the date of application, theagreement date, product names, the agreement amount, the number oftimes of payment, service charges for mediation for comprehensive
credit purchases, each month’s installment payment amount or
repayment amount (payment amount), the payment method, and theTransfer Account(3) Information related to transactions with the Member, such as the balance
after beginning payment related to the Agreement, and information
about the monthly repayment situation or transfer of credits(4) “Information for judging payment ability,” such as the Member’s
assets, debts, income, and expenditures that the Member declared, andthe credit use history and repayment situation for past debts that theCompany collected and will retain and use, for the purpose ofinvestigating the Member’s payment ability related to the Agreement or
for the purpose of investigating payment ability while payments arebeing made(5) Identification information (hereinafter referred to as the “Identity
Verification Information”) stated in identity verification materials, such asa residence card, driver’s license for which presentation of the original orissuance of a copy is received from the applicant, or information statedin screening materials, for the purpose of confirming that the applicant
for the Agreement is the same person as the Member, or information
stated in a copy of the family register or a resident card that the Company
requested at its office and received issuance from the relevant person
for the purpose of personal identification or confirmation of whereabouts(6) In the event that there is an agreement that the Member alreadyconcluded with the Company, the fact that an application for the relevant
agreement was made and credit information based on objective
transaction facts related to the relevant agreement, and information thatis obtained through collection of credits or credit during the agreement(7) Information that the Company learned through an inquiry made by
telephone(8) Information that has been made publicly available through an official
gazette, a telephone book, or a housing map
2. The Member is to agree to the fact that the Company and the member
stores (hereinafter referred to as the “Member Stores”) stipulated in theAgreement will, based on the Agreement, use the Personal Information initem (1) through item (3) of this article for advance payment on theMember’s behalf, cancellation settlement, settlement associated with earlycancellation based on a law or ordinance, and settlement of the Member
Stores’ service charges with the Member Stores.
3. In a case of application for a credit card (hereinafter referred to as the“Affiliated Card”) that indicates both the Company’s corporate brand andthe Company’s partner company’s corporate brand, the Member is toagree to the fact that the Company and the Affiliated Card’s affiliatedcompany (including its parent company, related companies, and affiliatedcompanies; hereinafter referred to as the “Affiliated Company”) will jointly
use the Personal Information of item (1) through item (2) of Article 1.1 within
the scope that is necessary for the Company and the Affiliated Company
to jointly provide service for points that will be granted to the Member andother services incidental to the Affiliated Card.
4. The Member agrees to the fact that the Personal Information possessedby the Company will include information received from the applicant at thetime of this application (if the Company rejected the relevant application)and information after the Agreement ended or the Member completed
repayment, and that the Company will use it for a certain period.
Article 2 (Use of the Personal Information)
The Member agrees to the fact that the Company will use the Personal
Information of item (1) through item (2) of Article 1.1 of these articles for the
purposes below.
(1) Notification about new product information for the Company’s business,and services related to that information(2) Market surveys and product development for the Company’s business(3) Sales guidance for sending or transmitting promotional materials or
printed materials for the Company’s business*The Company’s business is the credit business (including credit cardbusiness), financing business, guarantee business, money collection agency
business, solicitation for life insurance, agency for damage insurance, andbusiness of enclosing sales information of the Member Stores, the AffiliatedCompany, and other companies in the Company’s sales information andthen sending it. We provide notification about the Company’s specificbusiness on the Company’s homepage (https://www.nexuscard.co.jp/).
Article 3 (Registration with and use by a designated credit bureau)
1. The Member agrees to the fact that inquiries will be made to a personalcredit information agency (a party that conducts business of collecting
information related to individuals’ payment ability and repayment ability andproviding that information to its members) to which the Company belongs
and a personal credit information agency affiliated with that agency and, inthe event that the Personal Information of the Member or that Member’s
spouse is registered, the Company will use that information in order toinvestigate the Member’s payment ability and repayment ability.
2. The Member agrees to the fact that the Personal Information and objective
transaction facts based on the Agreement for the Member and that Member’s
spouse will be registered for the period stipulated in the table below with thepersonal credit information agency in which the Company is a member, andthat it will be used for investigation of the Member’s payment ability andrepayment ability by the personal credit information agency in which theCompany is a member and by the members of the personal credit
information agency that is affiliated with that agency.
Company
nameMatter(i) The fact that an application wasmade for the Agreement(ii) Objective transaction facts
related to the Agreement(iii) The fact that payment of a debt
was late

Credit Information Center CORP.
(CIC)
A six-month period beginning on
the date when the Company madean inquiry to a personal credit
information agency
During the agreement period and
up to five years after theagreement ends
During the agreement period anda five-year period after theagreement ends

3. The name, location, and telephone number for inquiries for thedesignated credit bureaus or personal credit information agency in which
the Company is a member are as stated below. In addition, in the eventthat the Company will newly join and register or use a personal credit
information agency during the Agreement period, it is to give separate
notification in writing and obtain agreement.
Credit Information Center Corporation (the designated credit bureau
based on the Installment Sales Act) (the designated credit bureau basedon the Money Lending Business Act)
Address: 15F, Shinjuku First West Bldg.
1-23-7 Nishi-Shinjuku, Shinjuku-ku, Tokyo 160-8375
Telephone number for inquiries: 0120-810-414
Homepage address: https://www.cic.co.jp/*For details about membership qualifications and the names of member
companies of Credit Information Center CORP., please read its homepage
stated above.
4. The personal credit information agencies that are affiliated with thedesignated credit bureau (Credit Information Center CORP.) in which theCompany is a member are as stated below.
(1) Japan Credit Information Reference Center Corp. (the designated credit
bureau based on the Money Lending Business Act)
Address: Sumitomo Fudosan Bldg. No. 5
1-10-14 Kita-Ueno, Taito-ku, Tokyo 101-0014
Telephone number for inquiries: 0570-055-955
Homepage address: https://www.jicc.co.jp/*For details about membership qualifications and the names of member

companies of Japan Credit Information Reference Center Corp., please
read its homepage stated above.
(2) Japanese Bankers Association
Address: 1-3-1 Marunouchi, Chiyoda-ku, Tokyo 100-8216.
Telephone number for inquiries: 03-3214-5020
Homepage address:
https://www.zenginkyo.or.jp/pcic/*For details about membership qualifications and the names ofmember companies of Japanese Bankers Association, please read its
homepage stated above.
5. The information that will be registered with the personal credit information
agency in which the Company is a member and that is stated in Article 3.3
is as stated below.
Credit Information Center
Information for identifying the relevant person (name, birthdate, address,
telephone number, place of work, telephone number at the place of work,and symbols and numbers on the Residence Card) and information related
to the relevant marriage relationship if the Member has a spouse,
information related to agreement content (type of agreement, agreement
date, agreement amount, loan amount, product name and the product’s
quantity/number of times/period, and the number of payments), andinformation related to the state of repayment (use balance, balance ofinstallments, planned amount of annual charges, payment date, date ofcomplete repayment, arrears)
Article 4 (About provision of the Personal Information to third parties)
The Member agrees to the fact that the Company will implement protective
measures and then provide the Personal Information to the third parties below,
within the scope below, and that those third parties will use the relevant
Personal Information for the purposes below in accordance with the intent ofprovision.
1. Scope of third parties to which provision will be made(1) Related companies and business partners as stated on the Company’s
homepage(2) The head of the municipality or the registrar when the Company applies
for a resident card, family register label, or certificate of registeredmatters in order to verify the Member’s identity or confirm the Member’s
whereabouts(3) Attorneys, judicial scriveners, and accountants to which the Company
consigns work
2. Content of information that will be provided to third parties
The Member’s application information based on the Agreement, thePersonal Information (provided, however, that the Personal Information that
the Company obtained from a credit information agency is excluded), andinformation about application for an insurance contract
3. Purposes of use by parties that conduct use
Each of the purposes stated in Article 2 (In such a case, “the Company” inthe aforementioned purposes of use will be replaced by and read as the“third party to which provision is made.”)
Article 5 (About information concerning financial products andservices)
The Member agrees that the Company and the related companies andbusiness partners posted on the Company’s homepage will properly use
the Member’s Personal Information for the purposes below as well.
Provided, however, that in the event that the Member does not want
information from the Company about the financial products and services
below, excluding when information is provided about financial products andservices at opportunities when the Member accessed the Company, theCompany will not provide such information.
Purpose: In order to provide information to the Member by sending ortransmitting (including e-mail) sales, invitations, advertisements, andpromotional materials for services and financial products (hereinaftercollectively referred to as the “Financial Products”), such as loans and credit
cards, that are currently handled or will be handled in the future by theCompany and the related companies and business partners posted on the
Company’s homepage; the Company will contact the member by means ofa telephone call or direct mail (including e-mail) in order to introduce the
Financial Products. Limited to use based on this purpose, cancellation will
be made based on a proposal by the Member. An application will not berefused based on the reason that information about the Financial Products
is not wanted. In addition, the Company’s business partners are publicly
announced on the Company’s homepage.
Article 6 (Disclosure, correction, and deletion of the Personal
Information)
1. Based on the stipulations of the Act on the Protection of Personal
Information, the Member can ask the Company or the designated credit
bureau stated in Article 3 of these articles to disclose the Personal

Information related to the Member.
(1) If you will ask the Company for disclosure, please contact theconsultation office stated at the end of this document. The consultation
office will reply concerning details of procedures for requesting
disclosure (reception office, reception method, necessary documents,and service charges). In addition, notification about procedures forrequesting disclosure is also made by the Company’s prescribedmethod (homepage: https://www.nexuscard.co.jp/).
(2) If you will ask the designated information agency for disclosure, pleasecontact the designated credit bureau stated in Article 3 of these articles.
2. In the event that it is revealed that the content of the Personal Informationdiffers from the facts, the Company is to promptly handle correction ordeletion, based on the stipulations of the Act on Protection of Personal
Information.
Article 7 (A case in which the Member does not agree to these terms)
In the event that the Member does not want to state the matters for which astatement is required in the Agreement, or in the event that the Member
cannot consent to all or a portion of the content of these terms, the Company
may refuse the Agreement or complete the procedures for withdrawal frommembership. Provided, however, that even if the Member does not agree to
Article 2, Article 4, and Article 5 of these articles, the Company will not usethat as a reason to refuse the Agreement or conduct procedures forwithdrawal from membership.
Article 8 (Proposal for stopping use and provision)
Even in the event that the Company is using or providing the relevant
information within the scope for which agreement is obtained based on Article
2, Article 4, and Article 5 of these articles, if a proposal for cancellation is made,the Company will implement measures to cancel use at the Company andprovision to other companies from that time onward. Provided, however, that
this will not apply for sending invoices or for promotional materials or printed
materials that will be enclosed in documents that are necessary for business,such as notification about revisions of these terms or that will be transmitted
by e-mail. In the event that the Member does not want the invitations
stipulated in the Money Lending Business, the Member is to make a proposal
by using the Company’s prescribed method, and if that proposal was made,the Company is to not make invitations for financial products during the period
stipulated by laws and ordinances.
Article 9 (Cases in which the Agreement is not established, and use of
the Personal Information after cancellation of the Member orafter withdrawal from membership)
1. Even in a case in which the Agreement is not established, based on Article
1 and Article 3.2 of these articles the fact that this application was made will
be used for a certain period, irrespective of the reason why that Agreement
is not established, but it will not be used for anything else.
2. Even after cancellation or withdrawal from membership based on Article
19 of the General Clauses of the Terms for Nexus Global Card Members,
the Personal Information will be retained for a certain period within thescope that is necessary for Article 1 and Article 5 of these articles. Provided,
however, that a proposal for cancellation of use based on Article 8 of thesearticles will apply.
Article 10 (Clause changes)
This article can be changed within the necessary scope by conducting theprocedures stipulated in laws and ordinances.
Consultation office
1. For inquiries or consultations about products, please contact the Member
Store where the Card is used.
2. For inquiries or consultations about the Terms of Membership,
documents related to defense of payment suspension, or disclosure,correction, or deletion of the Personal Information, please contact the
Nexus Card customer consultation office stated below.

Nexus Card Co., Ltd.
4-17 Chigusa-cho, Miyazaki-shi 880-0006
Customer consultation office: Tel 0570-002123
Homepage address: https://www.nexuscard.co.jp/“Comprehensive credit purchase intermediation / Registration number”
Kyushu (Comprehensive) No. 30

Please thoroughly read the Terms of Membership andthen store them carefully.

Terms of Use for Online Services
Article 1 Definitions
1. “Member” refers to a person who has been loaned a credit card that isissued by Nexus Card Co., Ltd. (hereinafter referred to as the “Company”).
2. “Online Services” (hereinafter referred to as the “Service”) refers to theservice that has the content of Article 4 and that will be provided on the
Company’s prescribed website (hereinafter referred to as the “Website”).
3. “Registration for Use” refers to a Member who wants to use the Service
applying for use, and the Company approving the use of the Service andconducting registration as a user.
4. “User” refers to a Member who has consented to these terms, applied foruse, and completed the Registration for Use that was approved by theCompany.
5. “Registered Information” refers to the attribute information, e-mail address,
and other information for which the User made an application at the time ofRegistration for Use, other information, and ID and password information.
Article 2 Registration for Use
1. Members are the only people who can conduct Registration for Use.
2. A Member who wants to use the Service is to consent to these terms andthen use the prescribed method to make an application to the Company forthe credit card’s member number, the e-mail address, and other required
matters.
3. The Company will issue, to a person who has made an application under
Article 2.2 and who has consented to the use of the Service, a number that
identifies that person (hereinafter referred to as the “ID”) after that person
has made the application.
4. Registration for Use will be completed at the time when an ID is issued.
The person who received issuance of an ID is to be able to designate apassword at that person’s discretion.
5. Registration for Use is to be conducted for each credit card. In the eventthat Registration for use has been conducted again for the same credit card,
the previous ID and password are to lose validity.
6. The User can cancel Registration for Use of the Service by using theCompany’s prescribed method to make an application.
Article 3 Registered Information
In the event that there has been a change of the content of the e-mail addressthat was registered at the Company, the User is to immediately conduct theCompany’s prescribed notification.
Article 4 Content of the Service
1. The content of the Service that the Company will provide is as stated below.
(1) Web itemization service(2) Applications for point conversion(3) Identity authentication service (3D secure)
2. The Company is to be able to add, change, or cancel content of the Service
at the Company’s discretion. In such a case, the Company is to use postingon the Website or another method to publicly announce or give notification
to the User about the fact that the relevant addition, change, or cancellation
will be conducted.
Article 5 Method of using the Service
1. In addition to these terms, the User is to comply with the “Information,”“Points to note for use,” and “Other matters to note” in each of the services
of Article 4.1 and terms (hereinafter referred to as the “Terms”) that will beseparately stipulated.
2. The User is to be able to use the Service by entering the ID and password
on the Website and following the Terms.
3. The Company is to confirm the consistency of the ID and password thathave been entered, thereby assume that the person who entered them isthe relevant User, and then provide the Service.
Article 6 Partner services
1. In addition to the Service, the User is to be able to use services (hereinafterreferred to as “Partner Services”) that are provided by third parties(hereinafter referred to as “Partners”) with which the Company is affiliated.
2. In the event that the User will use a Partner Service, the User is to follow
the Terms, as well as terms that are stipulated by the Partner.
Article 7 The User’s management responsibilities
1. The User is to be aware of the fact that the User’s ID and password arematers that will be used in the Service or a Partner Service and is to strictly
manage them.

2. For use and management of the ID and the password, the User is toconduct management with the care of a good manager so that the ID andpassword will not be learned by other people.
3. Excluding cases caused by the deliberate intention or negligence of theCompany or a Partner, the Company is not to bear any liability whatsoever
for damage cause by the fact that the ID and password were used by athird party.
4. In the event that the User’s ID and password have been used and damage
has been caused to the Company, a Partner, or a third party, the User must
provide compensation for that damage.
Article 8 Matters that are prohibited for the User
1. The User may not transfer to a third party or allow a third party to use therights that are possessed as a User.
2. The User is to use information that has been obtained through use of theService within the scope of personal use, and it may not conduct
commercial use of such information.
Article 9 Intellectual property rights
All of the copyrights, trademarks, and other intellectual property rights
included in the Service, such as the content and information of the Service,
are matters that attribute to the Company or to the Partner’s right holder,
and the User may not conduct actions that infringe or that have thepossibility of infringing such rights.
Article 10 Deletion of Registration for Use
In the event that the User has fallen under any of the conditions below and
the Company has recognized that it is necessary, the Company is to beable to delete the User’s Registration for Use and invalidate the User’s ID or
to restrict that User’s use of the Service.
(1) A case in which the User has lost member qualifications(2) A case in which the User has violated any of these terms(3) A case in which the User made a false application at the time ofRegistration for Use(4) A case in which the User did not conduct debt payment or an obligationthat is necessary for use of the Service(5) A case in which login errors have continuously resulted from using thesame ID(6) Another case in which the Company has judged that the User isinappropriate as a User
Article 11 Notifications to the user
1. The Company is to be able to use the User’s registered e-mail address toprovide notifications and information to the User. Provided, however, that
the User is to be able to conduct the Company’s prescribed notification andthereby cancel delivery of that e-mail, limited to information provision.
2. In the event that damage has arisen for the User or a third party because
the Company sent a notification or provided information to the e-mailaddress that was registered, the Company is not to bear any liability
whatsoever, excluding cases caused by the Company’s deliberateintention or gross negligence.
Article 12 Handling of personal information
1. The User is to agree to the fact that the Company will implement thenecessary protection measures and then use, for the purposes below, thee-mail address and other Registered Information, and personal informationand other information related to the use of the Service.
(1) Using such information to provide guidance related to the Company’sbusiness, such as delivery of advertisement information(2) Using such information for confirmation of matters that are necessary forwork and for contacting the User
(3) Using such information for delivery of e-mails for questionnaires for the
purpose of market research
2. In the event that the relevant work will be consigned to a third party, theCompany will provide personal information to the party to which work is
consigned, within the scope that is necessary for performance of the work.
Article 13 Exemption from liability
1. The Company only adopts encryption technology that the Company
judges to be appropriate, but the Company is not to make any guarantees
in relation to the completeness or safety of that encryption technology.
2. Excluding cases caused by the Company’s deliberate intention or grossnegligence, the Company is not to bear any liability whatsoever for damage
that arises for the User because of the use of the Service.
Article 14

Temporary suspension and cancellation of the Service

1. In any of the cases below, the Company is to be able to temporarilysuspend or cancel the Service without giving advance notification to theuser.
(1) A case in which it is necessary for system maintenance or another reason
related to operation of the Service(2) A natural disaster, a power outage, or another case in which continuing
the Service has become difficult(3) Other cases in which the Company has judged that it is necessary
2. Excluding cases that are caused by the Company’s deliberate intention or
gross negligence, the Company is not to bear any liability whatsoever for
any damage that arises because of temporary suspension or cancellationof the Service.
Article 15 Changes of these terms
The Company is to be able to change these terms by following the change
procedures that are stipulated in the Terms of Membership.
Article 16 Prevalence of these terms
For the use of the Service, in the event that any type of terms, such as theTerms of Membership that the Company separately stipulates, are notconsistent with the content of these terms, these terms are to be given
precedence.

Terms of Use for Web Itemization Service
Article 1 (Content of this service)
1. “Web Itemization Service” (hereinafter referred to as the “Service”) refers
to a service that uses the method of these terms to give notification, in theService provided on the Internet, to a member (hereinafter referred to as
the “Member”) of a credit card issued by Nexus Card Co., Ltd. (hereinafterreferred to as the “Company”) about each month’s itemized statement ofcredit card use for the use that the Member conducted instead of a methodof using postal mail.
2. The documents stipulated in the Installment Sales Act will be included in
the Service.
Article 2 (Use of the Service)
A Member who wants to use the Service is to consent to these terms andthen use the Company’s stipulated method to conduct registration for useof the Service, and if registration for use has been completed, the Member
is to be able to use the Service.
Article 3 (Use charge)
The use charge for the Service will be free. Provided, however, that theMember is to prepare, at the Member’s liability and expense, the use
environment for the necessary connection to the Internet that is necessary
in order to use the Service, and Internet connection charges andcommunication charges are to be borne by the Member.
Article 4 (Method of notification of itemized statement of credit card use
charges)
1. At the time of finalization of charge amounts, the Company will deliver, tothe e-mail address for which notification was given by the Member, an email that gives notification of finalization of payment amounts. Immediately
after receiving that e-mail, the Member is to access, from a computer etc.
(refers to a computer, smartphone, or tablet), the website that was
designated in that e-mail, read the itemized statement of credit card use
charges, and download the data for the details of the use charges. The
Member can download the itemized statement of credit card use charges
at any time in the period stipulated by the Company.
2. In principle, the Company is not to use postal mail to send itemized
statements of use charges to a Member who consented to the use of theService, but the Company is to use an appropriate method to notify theMember of the time of implementation of the Service after that time has
been decided by the Company. Provided, however, that in the event thatany of the matters below apply at the time of finalization of charge amounts,
the Company is to send the itemized statement of use charges by postal
mail.
(1) A case in which payment is being conducted by using a payment handlingslip(2) A case in which sending an itemized statement of use charges is requiredby law or ordinance(3) A case in which there is a change from the Service to the previous sendingof itemized statements of credit card use charges by postal mail(4) A case that has fallen under a termination reason of (1) through (3) of

Article 6(5) Another case in which the Company has judged that sending an itemized
statement of use charges by postal mail is necessary
Article 5 (E-mail address)
1. Registration for the Service can be conducted from a computer etc. In theevent that registration for the Service has been completed, the Company
will deliver an e-mail about registration completion to the e-mail addressthat was registered.
2. In the event that a Member who has registered for use of the Service haschanged that e-mail address, the Member is to conduct the prescribed
selection from the Company’s Online Services menu and conduct thechange procedures without delay.
Article 6 (Termination of provision of the Service)
In the event that any of the reasons below have arisen for the Member, theCompany is to be able to terminate the Service without obtaining theMember’s consent. Provided, however, that this is not to apply in a case inwhich there are charges or a balance.
(1) A case in which it was revealed that the Member made a false declaration
to the Company(2) A case in which the Member violated any of these terms(3) Another case that the Company has judged as inappropriate
Article 7 (Change or cancellation of the Service)
1. In the event that the Member will cancel the use of the Service, the Member
is to use the Company’s prescribed method to make a request.
2. The Company is to be able to change or cancel the Service because of abusiness-related reason or another reason, and the Member is to consent
to that fact in advance.
3. The Member is to consent to the fact that the content of the Service may
be regulated based on the laws of Japan.
Article 8 (Change of these terms)
The Company is to be able to change these terms by following the change
procedures that are stipulated in the Terms of Membership.
Article 9 (Disclaimers)
1. The Member is asked to consent in advance to the fact that there may becases in which, because of a communication problem or the Internet
environment, it is not possible to check the Service.
2. In the event that damage has arisen for the Member or a third party
because of being unable to receive notification of finalization, the Company
is not to bear any liability whatsoever.
Article 10 (Precedence of the Terms of Membership)
For the use of the Service, in the event that any type of terms, such as theTerms of Membership that the Company separately stipulates, are notconsistent with the content of these terms, these terms are to be given
precedence.