L . P A Y BUSINESS

EASY BENEFIT BEYOND PAYMENT Smart payment platform, Smart payment platform,

Experience the Upgrade your competency with Pick a payment of your choice: online, offline or mobile. valuable change we Enjoy an integrated shopping experience. Better yet, do all this on a mobile app; no more thick wallet. 5 1 create opens a whole new world of services including a fast payment service without a passcode, not to mention a suite fulfills your of benefits. every need ’s another attraction, ! Collect points and make payments at a single go. Pick among online, Instantly collect With , you immediately earn rewards with each offline and mobile points with every payment. All payment methods, including credit/debit cards, payments payment bank accounts and metro cards can be linked to .

Scan the QR code Charge via for more reward to access the No.1 Customers can now simply charge their points through mobile payment to enjoy the unique benefits offered at our partner service . merchants. The points can be used like cash at more than 32,000 partnering merchants. These amazing benefits are offered by a mobile app.

Traveling around becomes easier with VALUE Cashbee, a public transportation card usable at convenience stores, shopping, dining, theme parks and theaters is now available by a mobile app. features an NFC-based mobile Cashbee service that can be easily used with just a tap to travel by bus, or taxi nationwide.

4 2 Leave all worries behind and enjoy ’s endless benefits! makes all payments possible from daily necessities such as shopping at convenience store, supermarket, using public transportation to special occasions at theater, theme 3 park, and golf courses. We are a payment service pushing Make fast the boundaries. Offering unmatched benefits, we provide payments tailored Charge points Bus valuable rewards to our 36 million customers. to your lifestyle Metro with Texi

Use public transportation anytime and anywhere

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is fast and easy. Scanning a barcode or tapping on the was the first to feature a mobile widget for an optimal lock screen is all you need to do for making payment. environment that enables simple payments at offline merchants. We make it easier for our customers to make , a lifestyle Supporting finer, We are easier, faster and safer. will serve your payments and earn or redeem by accessing the companion beyond a on/offline payments delightful life payment screen directly from the smartphone lock screen payment method without launching mobile app. is a unique mobile payment service available at more than 100,000 merchants.

Credit/debit cards DIRECTIONS 1 Register frequently used credit / debit cards mobile for easier and safer management Partnering card companies : LOTTE, Shinhan, Kookmin, Samsung, Hyundai, Woori, BC, Hana, and NH

CREDIT/ DEBIT CARDS PASSCODE

DIRECTIONS Bank account (instant bank transfer) 2 We provide instant bank transfer services for cash payments using accounts at major banks nationwide. Partnering banks : All banks in Korea

at payment DIRECTIONS Enjoy special benefits anytime, anywhere regardless of 3 platform. Pay with and you can collect or redeem directly from the smartphone lock screen. supports charging by credit card, mobile phone and ATM.

Transportation card offers NFC-based mobile Cashbee services that Bus DIRECTIONS Metro 4 enable our customers to pay for all types of transportation Texi with a simple tap. Both pre-paid and post-paid payment are

available, and we offer an account statement and automatic BANK TRANSACTION charging services. ACCOUNT DETAILS

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turns ideas into reality. We make Life our customers life more convenient, smart and affluent at various fulfills your aspects of their daily life; shopping, BENEFIT every need entertainment, dining, leisure, traveling 3 and financial service. We deliver one-stop, personalized Delicious, fun benefits every day! service whenever and wherever customers need..

BENEFIT 4 BENEFIT 1 Smart and easy finance management including card, insurance and Enjoy pleasure of on/offline shopping other financial services

BENEFIT BENEFIT 2 5

Enjoy the small pleasure of daily life at Indulge special relaxation full of a movie theater and theme park leisure and journey!

is applicable with a simple tap. Collect points at more than 23 offline (incl. LOTTE Young Plaza, Avenuel, LOTTE Outlet, LOTTE El Cube) affiliates and more than nine online affiliates of LOTTE Group that make up the (incl. VIC Market and Toys-R-Us)/ LOTTE Supermarket/ Himart/ Seven Eleven LOTTE Asset Development (LOTTE World Mall)/ LOTTE DFS/ LOTTE Cinema/ LOTTE World largest market share of the domestic retail market. We are penetrating into LOTTE World Aquarium/ LOTTE Water Park/ / LOTTE Hotel/ JTB/ LOTTE Rental (LOTTE rent-a-car) various areas including shopping, leisure, entertainment, dining, and financial LOHB’s/ / Doughnuts/ Natuur-pop/ Angel-in-us Coffee/ LOTTE.com/ elLOTTE services personalized to match the life stages of our customers. LOTTE Home Shopping (LOTTE iMall)/ LOTTE Insurance (LOTTE How Much Direct)

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Start your business with 36 million customers. Offering By combining and , we seek to become a both payment and loyalty program, supports a wide consumer-oriented platform based on the lifestyles of our 36 range of businesses by earning/redeeming at million customers. Helping business Future of mobile partnering merchants, providing partners with big data-based partners flourish analysis service to secure regular customers and conducting payment platforms We reflect various customer needs such as a membership consulting training to bolster the capabilities of our partner program, online-to-offline (O2O) services and mobile firms and help merchants flourish. payments. We are stretching our infrastructure and thus reinforcing synergies with LOTTE Group’s affiliate retailers so We also offer an integrated service of payment gateway and that can simply cover on/offline payments marketing platform based on needs of customers. For our 36 million members, opens up a new and will align more tightly to provide our 36 horizon of easy payments and benefits at our wide network million members with a delightful experience of partners. For our partners, we provide access to 36 million at 100,000 partnering merchants nationwide. members to secure pool of potential customers and We will also increase our suite of payment methods to include help generate profit through big data analysis and consulting credit cards, pre-paid cards, debit cards, transportation training services. cards and make it much easier to enjoy mobile payments by adopting FIDO-based biometric authentication technology.

In addition, we will add currency functions such as remittances/money transfers to introduce an online prepayment-based financial service used by charging . Furthermore, we will reach out not only to LOTTE Group affiliates but also to non-affiliated merchants to implement a big data-based integrated marketing platform.

BIG DATA

Business capabilities 1. Operates an online payment gateway 2. Offers specialized big data based analysis services 3. Operates research platform to analyze purchase behavior 4. Operates advertising/ marketing platform

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VIDEO

Open platform Story Loyalty Marketing Business Analysis & Consulting Business As Korea's leading integrated membership program with 36 million members and 32,000 partnering merchants, Our vision is combined with services to pioneer the simple payment market. and provide one- stop service that ranges from paying with points to an online payment gateway and advertising/marketing. We are building infrastructure to expand offline access for our customers through partnering with more merchants.

Big data platform provides Geographic CRM (G-CRM) and survey service Lime which easily deliver analysis based on commercial Marketing Platform Business Global Membership Business Business location. Also, our consumer index, a gauge for household consumer trends, will help scale up the use of big data for public interest in association with Statistics Korea. Furthermore, we present unique services such as personalization using artificial intelligence and other big data analysis to lift revenue at partner firms as well as bolster brand loyalty.

Marketing platform We aim to introduce an online payment gateway system to create a convenient way to earn/redeem points and implement a simple payment process for our partner firms and customers. By leveraging our marketing platform that BROCHURE includes , offering tailored coupons based on mobile app and location-based services, we will build a marketing Loyalty Analysis & Marketing Global hub that builds synergies and generates revenue for Story Marketing Consulting Platform Membership Business merchants. Business Business Business Business

Global Membership business We are the first to stretch beyond Korea and flourish as a Open Analysis & global membership program in , and . Platform Consulting In Indonesia and Vietnam, we will establish a shopping environment that presents our local customers with an easy and experience by working in partnership with LOTTE Group’s e-commerce business to emerge as a global Marketing lifestyle platform widely used all across Asia. Platform

Global Business Scan the QR code for videos and brochures.

- 10 - - 11 - AIA Tower, 16 Tongil-ro 2 gil, Jung-Gu, 04511 Korea www.lpay.com I www.lpoint.com