Terms and Conditions of International Money Transfer Transactions(Point Program Terms and Conditions)
Article 1(Purpose)

These Point Program Terms and Conditions (hereinafter referred to as "these Terms andConditions") set forth the terms and conditions under which SBI REMIT Co, Ltd. (hereinafterreferred to as "the Company") provides the point program (hereinafter referred to as "theProgram").
Article 21.

(Applicability)

These Terms and Conditions constitute part of the Terms and Conditions of International MoneyTransfer Transactions (for Type II Funds Transfer Services, hereinafter referred to as "the Termsand Conditions of International Money Transfer Transactions ") separately stipulated by theCompany. With regard to the Program, the provisions of the Terms and Conditions ofInternational Money Transfer Transactions shall apply to matters not stipulated in these Termsand Conditions.

2.

In the event of any discrepancy between the Terms and Conditions of International Money
Transfer Transactions and these Terms and Conditions, the content of these Terms and Conditions
shall prevail.

3.

Any matters related to the Program that are not stipulated in these Terms and Conditions shall bein accordance with the contents posted on the Company's Website or the Company's MobileApplication, etc.

4.

Unless otherwise specified, the meanings of terms used in these Terms and Conditions shall be
as defined in the Terms and Conditions of International Money Transfer Transactions.

Article 3(Eligibility for the Program)

The Program is open only to individual members as defined in the Terms and Conditions ofInternational Money Transfer Transactions. The Program is not offered to corporate members,
and no points as defined in Article 4 shall be granted.
Article 41.

(Granting of Points)

The Company shall grant the customer a certain amount of "Remit Points" (hereinafter referredto as "points") in a manner determined by the Company when the customer meets the conditions
specified by the Company.

2.

The Company shall post details regarding the terms and conditions of granting of points, thenumber of points to be granted, and the timing of granting of points on the Company's Website

or on the Company's Mobile Application.
Article 5(Confirmation of Points)

Customers can check the balance of their points through the Services page of the Company’sWebsite or the Company’s Mobile Application.
Article 61.

(Use of Points)

When using international money transfer services by way of Internet Money Transfer or Mobile
Application Money Transfer, customers may apply the points they hold to the money transfer fee
in a manner determined by the Company, with each point being equivalent to one yen.

2.

Notwithstanding the preceding paragraph, the Company may grant points with different
eligibility and conditions of use. In such cases, details shall be posted on the Company’s Website
or Mobile Application, etc.

3.

Customers may not exchange points for cash or transfer points to a third party.

Article 7
1.

(Expiration Date of Points)

Points shall expire on the date specified in Item 1. However, for foreign customers whose periodof stay has expired, the earlier of Item 1 or Item 2 shall apply.
(1) The last day of the month in which six months have elapsed since the day points weregranted(2) Expiration date of the customer’s period of stay (or expiration date of the renewed periodof stay if the renewal is processed before the expiration date of the customer’s period ofstay)2.

Notwithstanding the preceding paragraph, the Company may grant points with different
expiration dates. In such cases, details shall be posted on the Company’s Website or Mobile
Application, etc.

Article 81.

(Invalidation of Points)

In any of the following events, the points listed in each of the following items shall be
immediately forfeited.
(1) After the expiration date of the preceding article
All points that have passed their expiration date(2) If the customer’s membership registration is cancelled in accordance with the provisions ofthe Terms and Conditions of International Money Transfer Transactions
All points held by the customer(3) In the event of termination of the Program in accordance with the provisions of these Terms

and Conditions
All points held by the customer(4) Any other case in which the Company deems it appropriate to forfeit points
Points that the Company deems appropriate to be forfeited2.

Even if points are forfeited pursuant to the preceding paragraph, the customer may not request
the Company to re-grant points or take any other compensatory measures.

Article 91.

(Cancellation of Points)

The Company may cancel all or some of the points held by a customer without prior notice tothe customer if the Company determines that any of the following items apply to the customer.
(1) In the event of any illegal or fraudulent activity;(2) In the event of a violation of these Terms and Conditions, the Terms and Conditions ofInternational Money Transfer Transactions, or any other rules and regulations establishedby the Company;(3) In the event that an eligible international money transfer is cancelled after points have been
granted for using international money transfer services; or(4) In the event that the Company otherwise deems it appropriate to cancel the points granted
to the customer

2.

In the event that points are cancelled pursuant to the preceding paragraph, the Company may
subtract or settle the points in the following order.
(1) If there are any points remaining that are subject to cancellation, those points shall besubtracted.
(2) If there are no points remaining that are subject to cancellation, the number of points to becancelled shall be subtracted from other points held by the customer.
(3) If the number of points held by the customer is insufficient to cover the number of points
subject to cancellation, the customer shall settle the deficiency by returning the points incash or by any other method determined by the Company.

3.

Notwithstanding the provisions of the Terms and Conditions of International Money Transfer
Transactions, if a customer has applied points to a money transfer fee and the points aresubsequently subject to cancellation, the Company may cancel the money transfer agreement orsuspend the money transfer procedure.

4.

Notwithstanding the provisions of the Terms and Conditions of International Money Transfer
Transactions, if a customer has applied points to a money transfer fee and a subsequent event
occurs for which the Company must return the money transfer fee to the customer, the Companyshall return the applied points to the customer and shall not be obligated to return them in cash.

Article 10(Taxes and Costs)

In the event that taxes or any other costs are incurred in connection with the acquisition or use ofpoints, the customer shall be responsible for these costs.
Article 11.
1.

(Disclaimer)

The Company shall be in no way liable for any damage incurred by the customer or a third party
due to any of the following events:(1) If there is any delay, impossibility, etc. in the provision of the Program due to any reasons
not attributable to the Company such as a force majeure such as a natural disaster, fire orriot etc.; failure of the customer’s, the telecommunication carrier’s or another third party’s
communication equipment, lines, computers, or interruption of communication, etc., oraction taken by a court or other public agency;(2) If there is any delay, impossibility, etc. in the provision of the Program due to a failure ofterminals, communication lines or computers, etc. despite the adoption of reasonablesecurity measures by the Company’s system operations; or(3) If there is any delay, impossibility, etc. in the provision of the Program due to reasons
attributable to the customer or a third party such as the name of the money transfer recipient
being incorrect, etc.

2.

The Company may restrict the customer’s use of international money transfer services inaccordance with the Terms and Conditions of International Money Transfer Transactions. The
Company shall not be liable for any restrictions on the use of points by customers as a result ofsuch restrictions.

3.

The Company shall confirm the customer’s identity when logging in to the Services page of theCompany’s Mobile Application or Website in accordance with the Terms and Conditions ofInternational Money Transfer Transactions. If the customer is deemed to be a legitimate user
based on the identity confirmation set forth in this paragraph, the Company shall not return anypoints used or be held in any way liable for damage caused by any subsequent falsification,modification, theft, unauthorized use, or other incident involving the password, etc.

Article 12(Changes to the Agreement)

The Company may change the content of these Terms and Conditions (including, but not limited to,abolition of points, suspension of granting of points, change of eligible sites or transactions, andchange of the granting rate or utilization rate of points). In such case, the Company shall make anannouncement by the effective date of the change of these Terms and Conditions, including theeffective date of the change and the content of the change on the Company’s Mobile Application orWebsite, and on and after the effective date, shall handle customers in accordance with the modified

content.
Article 131.

(Governing Law and Jurisdiction)

Transactions between the Company and customers pursuant to these Terms and Conditions shallbe governed by the laws of Japan.

2.

If any lawsuit is required to be instituted between the Company and a customer in connection
with these Terms and Conditions, the Tokyo District Court shall have exclusive jurisdiction oversuch lawsuit in the first instance.

3.

In the event of any differences in the interpretation of the translated versions and the Japaneseversion of these Terms and Conditions, the Japanese version shall take precedence.
EndEstablished June 27, 2024