Exhibit 10.2


 





LOAN AGREEMENT


 


THIS LOAN AGREEMENT is made by and between
Clara Ltd. as lender (the "Lender") and Link Bit Consulting Co., Ltd. as borrower (the "Borrower") as follows:


 


Article 1. (Loam)


 


The Lender
hereby made a loan 100,000,000JPY to the Borrower (the "Loan") through a bank transfer to the following account and the
Borrower received the Loan today.


Tokyo-Mitsubishi UFJ bank,
Kojimachi Branch


Ordinary account 4524647


Link Bit Consulting Co.,
Ltd


Representative director
Takashi OZAWA


 


Article 2. (Interest)


No interest.


 


Article 3. (Repayment method)


Divided payment starting from the end of January
2013 to the end of October 2013.


The Borrower shall pay 10,000,000JPY at the
end of each month during the above period to the bank account which the Lender indicates.


 


Article 4. (Default Interest)


In the event the Borrower
fails to make repayment of its obligations on the due date, the Borrower shall pay to the Lender default interest on the overdue
amount, at the rate of 19% per annum.


 


Article 5. (Event of Default)


In case any of the following
events with respect to the Borrower shall have occurred, all obligations of the Borrower to the Lender hereunder shall immediately
become due and payable without any notice or demand from the Lender and the Borrower shall pay all obligations immediately.


 


1. Any petition for compulsory execution, compulsory
auction, bankruptcy, the commencement of composition, arrangement proceedings, or reorganization proceedings that incurred due
to other liability is issued to the Borrower.


2. A part of
a claim of the Borrower has been seized or has been subjected to execution of a provisional seizure. Any petition for compulsory
execution or compulsory auction incurred due to other liability, bankruptcy, the commencement of composition, and arrangement proceedings
or reorganization proceedings is issued.


3.The Borrower defaults in the due performance
or observance of any provision under this Agreement.


4. In addition to those listed in the preceding
four items, any reasonable and probable cause that need to preserve the obligatory right of the Lender occurs.


 


Article 6. (Joint and several obligation)


The joint surety shall undertake the obligation
of the Borrower jointly with the Borrower.


 


Article 7. (Security)


In order to secure the obligation under this
agreement, the Borrower hereby deposit the following.


Common share of Bankisha
net Co., Ltd, wholly owned by the Borrower.


(200 shares, 1 piece, numbered 1)


 


Article 8. (Jurisdiction)


In the event of any disputes arising out, the
Lender and the Borrower shall submit to the jurisdiction of the Tokyo District Court.


 






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IN WITNESS WHEREOF, the parties hereto have
caused this Agreement to be executed in one copy, affixing the respective name and seal, and the Lender retains the original and
the Borrower and the joint surety retain its copy.


 


March 26, 2012


 


 


The Lender: 1-5-3 Sumiyoshi Hakata-ku Fukuoka-shi


Clara Ltd.


Representative director
Akira TANABE


 


The Borrower: 1-16-1 Kaigan Minato-ku Tokyo


Link Bit Consulting Co.,
Ltd.


Representative director
Takashi OZAWA


 


The joint surety: 1-12 Tsutsujigaoka Aoba-ku
Yokohama-shi Kanagawa,


Shuya WATANABE


 


2413, 3-5-3 Nishikanda
Chiyoda-ku Tokyo


Takashi OZAWA


 


 








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