1. Picture of Global Payment Platform

(1) Examples of conventional payment method

(2) Overview of Global Payment Platform by MFIC and KDDI's Participation Points

Global payment platform by MFIC enables:

• transaction for both banked and unbanked people
• more combination of "entrance (sender)" and "exit (receiver)" which cannot be realized by each network alone, by interconnecting MFIC platform and those networks or operators at system level

KDDI will participate

• in the operation of MFIC's payment platform business by investment in the equity
• as a business partner through its subsidiary Locus Telecommunications by offering pre-paid multi purpose calling card and payment points
• in the enhancement of interconnection between MFIC platform and mobile payment services by MNOs by taking advantage of KDDI's extensive telecommunications carrier relationship worldwide

2. Locus Pre-paid Multi-purpose Calling Card: How lt works

About KDDI
With more than 30 million subscribers, KDDI is Japan's second-largest mobile operator. Furthermore, together with its subsidiaries, now KDDI is the only Japanese ICT solution company that provides comprehensive services for consumers and corporate clients. With services from fixed to mobile communications and solutions, "TELEHOUSE" data centers and broadcasting, KDDI aims to be a company that creates new styles for customer's lives and corporate activities from local communities to overseas with communication as its base.

• KDDI CORPORATION

About MFIC
Headquartered in Washington, D.C., Microfinance International Corporation (MFIC) aims to expand affordable, professional financial services to markets where such services have been unavailable, overpriced or disconnected from mainstream banking. MFIC offers ARIAS, innovative payment solution, and other services to provide financial service providers an immediate infrastructure to securely deliver value-added services to these markets worldwide.

• Microfinance International Corporation (MFIC)