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2 , Ltd. Page 4 (Page3) EC EC Copyright 2017 paygent Co., Ltd. Page 5 EC EC Copyright 2017 paygent Co.

3 , Ltd. Page 6 EC or or EC 1 2 2 Copyright 2017 paygent Co., Ltd. Page 7 EC EC Copyright 2017 paygent Co.

4 , Ltd. Page 8 ACQ ISS PG CB <ex> <ex> [ACQ PG ][ ][ACQ PG ][ISS ACQ PG][PG ][PG ] etc. CB CB CB 7 2016/4/12016/4/22016/4/52016/7/52016/7/2 32016/8/15[ACQ PG ][ ][ISS ACQ PG][PG ][PG ] etc. CB CB CB 7 2016/4/12016/4/22016/7/52016/7/232016/8/ 15 Copyright 2017 paygent Co., Ltd. Page 9 OK OK 100% 42

5 Copyright 2017 paygent Co., Ltd. Page 10 2012 2014 100 300 300 4,000 90 150 EC 90 50 EC 60 3D 120 400 Copyright 2017 paygent Co.

6 , Ltd. D 15 Wowma! D Page 11 D D Copyright 2017 paygent Co., Ltd. D Page 12 D 3D D VISA MasterCard JCB D D D 3D D D

7 100% D D D VISA/MasterCard/JCB AMEX Copyright 2017 paygent Co., Ltd. Attempt / Page 13 3D Attempt Attempt 3D Attempt 3D Amex,Diners Attempt Attempt Attempt 3D 3D Copyright 2017 paygent Co.

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9 , Ltd. Page 16 1 OK

10 Copyright 2017 paygent Co., Ltd. Page 17 Copyright 2017 paygent Co., Ltd. Tel 050-3066-0300 Mail Page 18 Copyright 2017 paygent Co., Ltd. Wowma! Wowma! Tel 050-3066-0301 Mail Page 19