G e n e r a l Ag r e e m e n t

A . D e f i n i t i o n

The terms of use in matter define specific terms as follows:

1. Revollet Account: indicates the Integrated Account provided by following domain (https://www.revollet..io), which Revollet provides through the worldwide information network known as the Internet.
2. Revollet: is run by Revollet International. Revollet International is established Labuan in May 2014 under the Labuan .iopanies Act 1990. License number is LL10787 and License No: MB/15/0005.
3. Online money transfer: this refers to the account which Revollet offers at our website of https://www.revollet..io
4. Revollet official website: https://www.revollet..io, or the website provided at our official website’ s subdomain.
5. Client: those who receives the service of Revollet as an individual or the individual who may receive the service in the future. As for corporations, the owners of applicable .iopanies, shareholders, directors or applicable authorities who have the influence towards management of the incorporation as well as incorporate representatives who are in use of Revollet.
6. Saving Account: This refers to the account provided by the Revollet and which is specified within service manual.
7. Transactions: All transactions services are provided by Revollet and Revollet official website.
8. Username: A name (letters and numbers) determined by the clients when logging into Revollet, which is used for identification purpose.
9. Login Password: A password determined by the client when logging into Revollet, which is used to identify the clients.
10. Withdrawal Password: A password for transaction within Revollet, which is used to identify the clients.
11. Submission Button: the button that is set up within Revollet to execute service applications and information updates.
12. Saving Account Service: The saving account service provided under saving account.

B . A c c o u n t S t r u c t u r e

1. Revollet consists of services or services of followings:
   • Online Money Transfer
   • Money Exchange
   • Prepaid Card Issuance and load
2. evollet is offered only one account per person.
3. ll Revollet holders are required to use each service following with Revollet terms and conditions.
4. evollet has the authority to reject account opening without notifying the reason to the clients. Moreover, it has the authority to restrict or suspend the account transactions over the course of time while clients are using their Revollet.

C . I d e n t i f i c a t i o n

Revollet confirms all client ID documents when clients apply for Revollet service, adhering to identification procedures it determines, including information of client name, address, date of birth, sex and other identification items. In the case there is either default or false information, or when Revollet considers to be obliged to, Revollet has the authority to reject the account opening or close the account without notification to the clients. Revollet also has the authority to request additional identification documents from the clients.

Revollet may request additional identification documents for confirmation purposes in the account opening stage, after opening stage or closing stage. Revollet will contact clients through client’ s registered Email address or phone number. If clients do not submit the required documents within the time limit Revollet determines, Revollet may freeze or terminate client’ s Revollet.

Revollet does not cover the loss or damage whatsoever clients might receive through clients’ identification procedure, contacts, Revollet freezing or termination.

Clients are to consent to the agreement that all information submitted and entered are correct, and that Revollet has all the authorities to confirm the information by all means. If there is any change to theinformation as registered, clients must notify Revollet immediately.

D . D o r m a n t A c c o u n t

Revollet will freeze the client’ s Revollet account if there is no activity within Revollet for 6 months since the last transaction. If client does not activate Revollet within 6 months, the client's Revollet will be forced to be terminated. Should there be application of services or Revollet balance left, Revollet has the ownership of them as long as there is no written document from the client within 12 months of .iopulsory cancellation.

E . R e v o l l e t F e e s

Fee schedule associated with Revollet are determined apart from this Terms and Conditions. Revollet is in charge of fee renewal, revision and has the authority to withdraw fees from any currency account without prior notification. Any renewal or revision of fee schedule will be updated on Revollet official website. In case clients do not cancel the Revollet, Revollet will assume clients agreed to the revised or renewed fees.

Should clients trade more than certain amount of money, Revollet may charge certain percentage of additional fee of the total transaction amount.

F . T r a n s a c t i o n D a t e a n d B u s i n e s s D a y

The transactions that clients make through Revollet will be executed on Revollet ’ s business days/hours. Any transaction submitted apart from business hours will be reflected to the Revollet on the next business day.

G . R e f u n d

Revollet will follow certain procedures to operate a refund when possible refund balance is in the Revollet’ s Saving Account. Revollet is not responsible for refunds that excess the amount of possible refund balance. Revollet has the right to make decisions whether which case should be refunded when total amount of refund is more than the capacity and there are multiple refund requests. Revollet has no liability to the clients for the costs and responsibilities caused when there are disputes between the clients who has requested for a refund and other third parties.

H . T r a n s a c t i o n H i s t o r y

Client’ s Revollet transaction history will be shown on Revollet’ s Money Transfer System (http://www.revollet..io/ja/index.html). Such history includes transaction details, settlements with Revollet ’ s affiliated financial organizations, clients and venders. Revollet will not issue certificate of deposit or any bank letter to clients even upon request.

I . R e c e i v a l o f D e p o s i t

Management of deposit Revollet has the right, if required, to cancel the deposit without notification to clients when there is a cancellation request on the account of multiple or false serve of deposit to Revollet from affiliated financial organizations.

Should there be any differentiation between the written currency and the transferred currency as clarified; Revollet will deposit the in.ioing remittance to the client’ s Revollet at the certain exchange rates which Revollet specifies.

J . A n t i - m o n e y L a u n d e r i n g & A n t i - T e r r o r i s t F u n d i n g

In accordance with relevant Labuan Act 1990 law, Revollet will disclose its information if requested by the authorities with intention to anti-money laundering and anti- terrorist funding measures.

Revollet has the right to request evidentiary transaction document support or investigation support from clients regarding to international transfer. If there is no submission support, Revollet has the right to refuse or limit the transactions of clients. Revollet has no obligation whatsoever or owe responsibility to those clients. Revollet may suspend trades or cancel Revollet on its own decision making in accordance with demand from authorities concerning halting money laundering, terrorist funding, all types of warranted individual, funding incorporates and such. Revollet does not have the responsibility to any losses. Moreover, the clients are responsible for supplementing damages or loss received from Revollet.

K . C a n c e l l a t i o n

Freezing accounts or cancellation of Revollet will take place if clients were not able to withdraw specified fees by specified time period.

Revollet will cancel Revollet when Revollet cannot confirm remittance or other remittance of other transfer methods within 30 days of client’ s login authentication.

Clients are allowed to cancel Revollet or its subsidiary services according to the terms of use or respective account terms. Clients are required to submit specific documents Revollet demands in cancellation. Also, credit cards, debit cards or cash cards corresponding to Revollet should be returned to Revollet Clients will pay costs generated by cancellation.

Revollet has the right to cancel Revollet without prior notification to the following clients:

1. If Revollet finds a non-existent account holder or if account was opened without the account holder’ s will.
2. If there is false information on opening account, or if the information is suspicious.
3. In cases a third party was technically using a client's account, or regardless of purposely or not, at third party indicates other person's e-mail address or information to open an account
4. If Revollet’ s client violated a law, or public order and morality, or is under suspicion.
5. If the Revollet holder is no longer of existence.
6. If the client breaches the debt collect request from Revollet and is violating the terms and conditions.
7. If Revollet considers the client should be forced to cancel the account.
8. If the client proves to be part of anti social groups or has relationship with them.
9. When a client takes actions as the followings:
1. Violent demands
2. Irrational demand which is out of bounds of law
3. Actions which uses threat or violence
4. Actions to destroy Revollet publicity or interfering Revollet business activity spreading false information, using fraudulent means or threat.
5. Actions whatsoever which are equivalent to actions (1) to (4). Clients are responsible for fees associated in Revollet cancellation of Revollet of the above causes. Revollet is not responsible for all the loss and damage the depositor might cause for cancellation according to this section. If the balance left in the client’ s Revollet reaches a minus, Revollet will freeze the Revollet within three months as of that day. The client is also responsible for the fees when the client’ s Revollet account is cancelled within six months of reaching a minus in the client’ s Revollet.

L . P r o h i b i t i n g D i s p o s i t i o n a n d P l e d g e

Clients are prohibited to handover Revollet or the corresponding services or set up their right to third parties for their usage.

M . P r o c e s s o f ( R e g i s t e r e d ) I n f o r m a t i o n C h a n g e s

Clients shall notify Revollet of updates on the registered information when clients lose the Revollet Username, Login Password, or Withdrawal Password. Or if there are changes in the registered information such as name (corporation name), address (office address), phone number, mobile phone number, E-mail address, or any other changes. The renewed registered information will be valid from the point the Revollet contents are notified to Revollet .

Revollet will notify or send documents to the clients’ registered Email address and name. Revollet is to limit the client’ s Revollet usage when Revollet receives those notifications or documents back. This solution is also applied when the registered Email address is invalid.

Revollet has no responsibility to the damage which clients have caused for not notifying Revollet

Cases when clients delay or refuse posts or Emails to registered address or Email address by clients because of delivery faulty, Revollet will also assume that those posts or Emails are delivered by normal time and date. Revollet do not hold any responsibilities regarding the loss caused by this case.

N . B a l a n c i n g O u t C l i e n t’s C r e d i t O b l i g a t i o n

Revollet has the right to balance out at credit when clients are not following their owing debts even before the deadline of credit obligation, using the deposit or credit obligation clients remitted to Revollet . Quoting the above statement, time interval for calculation of interest rate, discount rate, delay costs are to be on the executed date of calculation, where obligation credit debt interest rate and percentage rate are to be determined rationally by Revollet Furthermore, the foreign exchange rate is determined bythe market rate on the execution date with interest rate of the execution date. Revollet might, if necessary, collect debts through specific debt collectors of third parties.

O . M a t t e r s R e l a t e d t o D i s c l a i m e r

Revollet will execute its clients’ Revollet transactions through affiliation with other banks with care. Transactions executed by clients’ Revollet will be assumed as trades executed by its genuine users, which means Revollet does not have the liability to any loss or damage caused by fraudulent users, access abuse or other cases of abuse regardless of any reason. Revollet also has no liability to its clients regarding irrelevant causes from Revollet such as forced transfer, war, disaster, riot, economic sanction, legal restrictions or orders. The same goes with effects from deliberate or delinquent accidents, defaults, bankruptcy of affiliated financial organizations, or orders from the Labuan companies Act 1990 government or relevant authorities. Revollet also does not take any responsibility from the loss or damage of its failure of service to clients when there are unavoidable reasons for inconvenience with equipment, lines, server failures, software failures or outages. Clients are to agree to Revollet transaction value records as correct unless there is evident discrepancy with Revollet client record and clients’ s own record proved by written document of transaction records. Revollet will assume the clients have agreed to the trading history in Revollet as correct when there is no contact from clients within 14 days of presented trade history date.

Revollet does not deal with changes or cancellation of executed transactions after six months of the execution date.

P . M a n a g e m e n t o f C l i e n t I n f o r m a t i o n

1. Client Information is to be managed subdued to the privacy policy Revollet individually determines.
2. Revollet has the right to run its business including outsourcing management of client information to a third party according to the privacy policy noted above. Also Revollet will disclose its client information when there is request from affiliated financial organizations, Labuan companies Act 1990 law department, court .iomand, or the government.

Q . A p p l i c a b l e L a w s a n d C o u r t o f J u r i s d i c t i o n

Clients are to transactions, every relevant clause within this terms and conditions of Revollet through applicable laws of Labuan companies Act 1990.

R . C h a n g e o f T r a n s a c t i o n T e r m s a n d C o n d i t i o n s

1. This Terms and Conditions are updated continuously with Revollet decisions and will be valid from the updated date. Revollet is to determine all the terms, regulations and procedures concerning transactions that are not mentioned in this article.
2. Revollet will change and notify its clients about the Terms and Conditions content through Revollet official website including the Revollet website. After the amendments of this article, clients are to follow the renewed article assuming clients have consented to the changes in the services, transactions and Revollet unless they apply for cancellation.

S . O t h e r N o t e s

Risk

Clients are to comprehend the risks of marginal gain or loss within Revollet, since it is a multi currency account and therefore it is affected by foreign exchange rates fluctuations..

Trade Limits

Revollet has its arbitrary right to stop or limit the Revollet service for clients depending on rapid market fluctuations or global economic volatility. Revollet does not have the liability to clients to cover for the loss caused in this case.

Revollet Official Website

Revollet offers clients foreign exchange rate, interest rate and financial information intended for client awareness as reference, and not recommendation or assuring trades based on the informationprovided.

■ M o n e y T r a n s f e r S e r v i c e T e r m s a n d C o n d i t i o n s

A . M a t t e r s C o n c e r n i n g S e c u r i t y

1. Clients are to strictly protect information such as Username, Login Password, and Withdrawal Password. Also they are not allowed to disclose information to Revollet certified Official Agent, Revollet customer support or any other third parties.
2. When logging into Revollet system, Revollet may freeze the client’ s Revollet service if the client uses fault Username or Password as registered for multiple times. Please contact customer support for re-activation.
3. If clients lose their Username, Login Password or Withdrawal password on their own or on account of others, notify Revollet immediately and request Revollet freezing. Afterwards with certain method, Username, Login Password and Withdrawal Password will be issued again to your registered Email address.
4. Revollet does not have the liability to cover for the damage before completion of necessary procedures, unless there is deliberate or critical delinquency on Revollet ..

B . B u s i n e s s H o u r s

1. Transaction hours of Revollet are to be determined for 24 hours per day, every day of the week. However, Revollet will determine each transaction hours of Revollet services apart from this article.
2. Revollet does not have the liability regarding the loss or damage caused by stop of service for system failure, repair or maintenance without prior notice, regardless as mentioned in the above.

C . L i m i t t o t h e A m o u n t u p o n U s i n g t h e R e v o l l e t

Limit to using amount of Revollet is to be determined by Revollet .

D . U s e r n a m e a n d P a s s w o r d

Clients are to set up username, login password and withdrawal password with the Revollet application.

Clients are open to logging in to Revollet by using their username, login password for accessing to Revollet system and transaction history and etc.

Using overseas transfer or internal transfer in Revollet system, clients are required to enter their withdrawal password to login.

Revollet identifies the clients based on their information such as username, login password and withdrawal password registered on the Revollet system. Revollet will assume Revollet users to be accessed by its proper clients as long as the username, login password and withdrawal password matches the registered information. Revollet has no liability whatsoever to its clients to cover the loss or damage when username, login password or withdrawal password is fabricated, forged, stolen, abused or is under any other violation. Clients are to consent to the identification procedure as stated in this article and protect their login information of Revollet without presenting to a third party.

Clients are to contact Revollet immediately if the username, login password or withdrawal password are doubtful.

E . R e q u e s t f o r D e p o s i t , M o n e y T r a n s f e r a n d I n t e r n a ti o n a l T r a n s f e r

1. Foreign Currency Transfer refers to the money transfer between available currencies within an Revollet nominee’ s Saving Account.
2. Internal Transfer refers to the money transfer between Revollet ’ s Revollet holders.
3. Overseas Transfer refers to the remittance from Revollet to financial organizations other than those of which Revollet is affiliated with.
4. Transfer to Affiliated Financial Organizations refers to transfer to the corporations affiliated with Revollet and own Revollet.
5. Clients must enter the correct information for transfer within their accounts, internal transfer, overseas transfer and transfer to affiliated organizations. Clients will request for execution by clicking on the ‘ Submit’ button after entering their required information items. After execution of their requests, clients are to consent that they do not have the right to make objections whatsoever and that they are valid. Revollet does not have any liability to its clients even when execution of their requests failed or was postponed because of errors or defaults in their request information.
6. Clients are open to making use of transfer within Revollet, internal transfer, overseas transfer or transfer to affiliates under the limit of transaction amount per day or per transaction. Revollet has the right to change the transaction limit without prior notice to the clients.
7. Clients can check their transaction history about internal and international transfer, etc. on our Revollet user interface. Furthermore, clients are to confirm Revollet when they cannot view the screen or there is error in the transaction information after transaction requests were made. Clients are to agree to the condition that transaction requests are not always processed right after the request or within the same day requests were made. Revollet does not have the liability for late response to process transaction requests.
8. When there is failure of transfer within the same account, internal transfer, overseas transfer or transfer to affiliated corporates to specified accounts because of errors, defaults or other reasons, Revollet will refund the clients to their accounts. Fees occurred by this event will not be refunded to clients without exception. Revollet also has no liability to any damage that clients receive.
9. Transfer within the same account, internal transfer, overseas transfer and transfer to affiliated corporations cannot be cancelled once the clients’ request is final. If the balance of account is short of the requests, Revollet will not execute them. Revollet does not have any liability for the damage caused by this event.

■O n l i n e M o n e y T r a n s f e r T e r m s a n d C o n d i t i o n s

A . T r a n s a c t i o n M a n a g e m e n t

Online money transfer provided through Revollet deal with multi currency (USD, JPY and others) as mentioned in service manual.

B . A c c e p t a n c e o f d e p o s i t t h r o u g h t r a n s f e r

Revollet will reflect its clients’ Revollet as follows when there is transfer from other financial institutions.

1. When currency types for transferred accounts are not specified, we will make procedures as follows:
   • If there is an online money transfer account with the same currency type, Revollet will deposit money to the clients’ applicable account.
2. When the currency type of the clients’ objective transfers account is specified, Revollet will undergo the following procedures.
   1. If there is remittance to the accounts at which clients specified (henceforth “Specified Currency”) and there is also another account for the same Specified Currency, Revollet will deposit to the clients’ applicable account. Moreover, if the transferred currency and the Specified Currency are different, Revollet will exchange the transferred money into the clients’ Specified Currency then deposit to the applicable account.
   2. If clients do not have online money transfer account same as the Specified Currency, Revollet will deposit the money once after it denominates the money for USD.

C . T e r m s a n d C o n d i t i o n s

This Terms and Conditions (this English version) are to be prioritized to the general terms of use if there are contradictions between them.