1. Revocation of the first instance judgment.

2. All the claims of the plaintiff and the succeeding intervenor against the defendant are dismissed.

3...

1. Basic facts

A. On February 6, 2009, the Defendant filed an application for membership of D Co., Ltd. (hereinafter “D”) and D Co., Ltd. for purchase of goods for women. Around February 6, 2001, the Defendant was issued a membership card to receive goods and services handled by the company by presenting the card at the stores designated by the said company and signing the card on the prescribed pre-paid list.

The main parts of the Credit Card Member Regulations shall be as follows:

Article 1(Purpose)The purpose of this Code is to prescribe matters concerning the use and management of the cards of the Dispute Resolution Co., Ltd. (hereinafter referred to as the "Co., Ltd.") and to protect the rights and interests of the members referred to in Article 3.

Section 2 (Membership) Members means the portion for which this Code has been approved and our E- Card has been issued.

Article 5 (Use of Cards)

1. Members may be provided with goods and services handled in us by presenting cards at the stores designated by us and signing on the prescribed slips.

Article 6 (Purchase in Installments)

1. Members may purchase in installments at the stores designated by our country.

4. A member shall pay an installment, which adds a monthly installment to the installment price, during the installment period;

In such cases, the settlement shall be made monthly, and the method of calculation of installments shall be as follows:

(1) Cash price in installments = Cash price in / Installment period: Fees in installments = The balance of the installment price in cash price 】 the installment rate in installments for a year / the installment rate in installments/12.

5. To pay the overdue charge from the day following the date of settlement to the date of full payment for installments which have not been paid on the date of settlement for each month, as stipulated in paragraph (3) of Article 6.

Article 7 (Settlement of Payments)

1. A member shall pay an installment in us or by account transfer, etc. by the settlement date designated by a member, corresponding to the number of months of the installment for use by 20 days before the settlement date;

2.All payments made by cards shall be liable to be paid by members.