（TRANSLATION）
（FOR REFERENCE ONLY）
（JAPANESE VERSION PREVAILS）

Sony Bank General Terms And Conditions

If the customer carries out deposit transactions, loan transactions or any other service transactions (collectively “Banking Services”) provided by Sony Bank Inc. (“Company”), it will be deemed that the customer has agreed to various terms and conditions the Company separately specifies in addition to the clauses below.
If the joint and several obligor, joint and several guarantor or collateral provider are specified in transactions with the Company, the provisions of Article 13, Article 15, Article 16, Article 17 Paragraph 4, Paragraph 5 and Paragraph 7, Article 18, Article 19, and Article 21 through to Article 23 shall also apply to the joint and several obligor, joint and several guarantor or collateral provider, and the customers in each such provision shall include the joint and several obligor, joint and several guarantor or collateral provider.

Article 1 - Method of Transactions

1.When the customer carries out transactions with the Company, the customer may request for a transaction on a personal computer or smartphone provided with connection to the Internet or other mobile phones, etc. which enable to connect with the network prescribed by the Company (collectively “Terminal”), or by any other method the Company specifies and, in addition, the customer may carry out transactions on automated teller machines (ATM) of financial institutions which are affiliated with the Company (Terminals and ATMs, collectively “Terminal, etc.”).
2.Transactions via the Internet on personal computers or smartphones shall be referred to as the “Internet Banking”.

Article 2 - Details of Transactions

Transfer and internal transfer transactions, opening an account transaction, time deposit transactions, securities investment trust transactions, foreign exchange margin trading, inquiry of account information, change in notified matters, loan application and other transactions specified by the Company.
Note that, however, the Banking Services available to the customer are subject to certain limitations in the Internet Banking through the smartphone website.

Article 3 - How to Open Account

1.In order to use the Banking Services, the customer needs to open a savings account under his/her name with the Company. When the customer agrees to these “Sony Bank General Terms and Conditions” (these “Terms and Conditions”), “Terms and Conditions for Savings Account” and “Representation and Undertaking for Not Being Anti-social Force” prescribed by the Company, the customer makes application by notifying necessary matters in accordance with the procedures prescribed by the Company, and when the Company accepts such application, the customer is eligible to open his/her account. Note that the application for opening an account can be made only by an individual residing in Japan (“resident” as determined under the Foreign Exchange and Foreign Trade Act), and one person may have only one savings account.
2.Upon the customer’s application for opening an account, the Company shall conduct verification at the time of transactions under the Act on Prevention of Transfer of Criminal Proceeds (“Verification at Transactions”) by any of the following methods. If the cash card or other transaction-related documents are returned to the Company due to non-arrival, etc., or if the Company is unable to contact the customer, the Company will not open the account. In addition, the Company may refuse to open an account in cases where the Company judges that the notified content is suspicious.
- (1)Upon the customer’s submission of necessary documents prescribed by the Company, the Company will send transaction-related documents to the notified address by a method prescribed by the Company.
- (2)Transaction-related documents are sent to the notified address by a method prescribed by the Company and the customer will receive them after presenting identification documents prescribed by the Company to the delivery agent.
- (3)Providing image information showing the customer's identity verification by the method prescribed by the Company.
3.This savings account may be utilized when any of subparagraphs of Article 17, paragraph 4 or any of subparagraphs of Article 17, paragraph 5 are not applicable. If any of these subparagraphs are applicable, the Company shall refuse to open the savings account.
4.After opening an account, if it is suspected that the customer has made a false declaration in the Verification at Transactions for opening an account or that someone else could be pretending to be the account holder, or in any other case the Company judges necessary, the Company may conduct the Verification at Transactions again by a method prescribed by the Company. If any doubt remains after the repeated Verification at Transactions, the Company may suspend transactions in whole or in part or may cancel the transaction account.
5.Even if the customer suffers damage due to the refusal of opening an account, suspension of transactions in whole or in part, or cancellation of transaction account in accordance with the preceding three paragraphs, the Company shall not be liable.

Article 4 - Operation Hours

The Company operates seven business days a week, and its services are available 24 hours a day. If any fault in the system, etc. occurs or it is necessary to conduct maintenance, however, the Company may suspend or cease the provision of the Banking Services without giving prior notice.

Article 5 - Passwords, etc.

The customer needs passwords, etc. specified in this Article in order to use the Banking Services.

1.Passwords, etc. notified to the Company
The customer shall notify the Company of the various passwords as follows in advance for transactions with the Company.
- (1)Sign-on password
  In the Internet Banking, a Sign-on password is used for signing on from the home page of the Company’s website to the Banking Service page.
- (2)Cash card PIN
  This code is used when the customer uses his/her cash card or loan card the Company has issued for the yen savings account or cash advance account at an ATM (including automatic cash dispenser) of other financial institutions which are affiliated with the Company in Japan, or when the customer logs into the Banking Service page on the mobile phone, etc., which was notified to the Company in advance.
- (3)Transaction PIN
  This code is used for execution of various Banking Services in the Internet Banking.
- (4)Security question
  This is used for execution of various Banking Services in the Internet Banking.
2.Passwords, etc. provided by the Company
The Company will provide the customer with certain information for his/her identification by a method prescribed by the Company.
- (1)Verification number
  This number is used for execution of new transfers, etc.
- (2)One-time password
  This password is used for execution of various Banking Services in the Internet Banking. Application for one-time password utilization and its management shall be stipulated in the “Terms and Conditions for One-Time Password”.
3.Management of passwords, etc.
Various passwords described in the preceding two paragraphs and other terms and conditions of the Company (collectively “Passwords, etc.”) shall be strictly managed at the customer’s responsibility and shall not be disclosed to a third party. If the customer forgets the Passwords, etc., or there is a possibility that a third party comes to know them, the customer must immediately follow the change procedures for the Passwords, etc. in accordance with the method prescribed by the Company. The Company shall not be liable for any damage caused before the customer completes the change procedures.
4.Change of Passwords, etc.
- (1)If the customer forgets the Passwords, etc., he/she must re-register the Passwords, etc. by the method prescribed by the Company. The Company will check the application for re-registration of the Passwords, etc. in accordance with the procedures prescribed by the Company before processing such re-registration.
- (2)In addition to the case described in (1), the customer may at any time change the Passwords, etc. for those described in paragraph 1 in the Internet Banking. In such a case, the Company will check the identity of the Passwords, etc. input by the customer as the previously registered Passwords, etc. and the Passwords, etc. previously notified to and registered with the Company, and verify the customer’s identity.
5.Input error of the Passwords, etc.
- (1)Cash card PIN
  If the customer inputs any number different from the registered Cash card PIN the number of times prescribed by the Company consecutively, the Company will send him/her a notice to that effect via e-mail. In such a case, the customer needs to follow the procedures prescribed by the Company to change the Cash card PIN.
- (2)Other passwords
  If the customer inputs any password different from the registered Sign-on password, Transaction PIN or Security question the number of times prescribed by the Company consecutively, the Company will send him/her a notice to that effect via e-mail and stop handling of such Passwords, etc. for a certain period. In order to resume transactions during such suspension period, the customer needs to contact the Company and follow the prescribed procedures.

Article 6 - Identity Verification

1. At the time of the customer’s sign-on or utilization of various Banking Services, the Company will verify his/her identity via a method specified from the methods listed below.
- (1)Collate the input Passwords, etc. with various Passwords, etc. notified in advance to check that they are identical.
- (2)Collate the input Passwords, etc. with the Passwords, etc. provided by the Company to check that they are identical.
- (3)Use any other method the Company specifies.
2.Once the Company completes the identity verification as described in paragraph 1, even if the Passwords, etc., are forged, altered, stolen or unauthorized use or any other incident subsequently occurs thereafter, the Company shall treat such transaction as a valid transaction and the Company shall not be liable for any damages resulting therefrom. Although the customer may claim compensation for losses caused by fraudulent withdrawals due to theft of passwords, etc. in accordance with Article 20.
3.In addition to the identity verification described in paragraph 1, the Company will conduct the Verification at Transactions by any method prescribed by the Company when the Company deems it necessary. If the customer refuses such Verification at Transactions, the Company may refuse acceptance of the request for transactions. The Company shall not be liable for any resulting damage.

Article 7 - Internet Banking

1.How to request transactions
To make a request for transactions of various Banking Services, the customer shall inform the Company of the prescribed matters required for transactions after identity verification or the Verification at Transactions as described in Article 6 above.
2.Confirmation of request content
- (1)When the Company receives the customer’s request for a transaction in the Internet Banking and, as a result of identity verification or the Verification at Transactions, acknowledges that the request is from the customer, the Company will return the received request content to the customer’s Terminal.
- (2)The customer shall check the content returned as described in (1) above and, if the content is correct, he/she shall input the Passwords, etc. in accordance with the procedures prescribed by the Company and send a reply to the effect that he/she has acknowledged the content. If the customer would like to change or cancel the request content, he/she needs to change or cancel the request in accordance with the prescribed procedures.
- (3)The customer must promptly reply to the Company in response to (2). If any reply does not reach the Company within the prescribed time, the Company will deem that the transaction request has been canceled.
3.Fixing of request content
In case the reply in paragraph 2, item (2) reaches the Company within the prescribed time and, as a result of the collation of the input Passwords, etc. with the Passwords, etc. notified to us in advance, the passwords are found identical, the Company will deem that the transaction request from the customer is fixed and perform processing the transaction.
4.Implementation of processing
- (1)The Company conducts processing after the request content is fixed. The Company will notify the customer of the processing results, and thereby the customer needs to check the content. If the customer finds anything unclear as to the notified results, or fails to receive the result notification, he/she should make an inquiry to us.
- (2)If the transaction based on the customer’s request is not completed successfully (including payment suspension, etc. in accordance with the customer’s notification in addition to insufficiency of balance, overdue loan repayment, and payment suspension due to seizure, etc.), the Company will deem that the customer’s request has not been made.
5.Transactional restrictions and i.e., etc.
- (1)In order to appropriately comprehend customer information and details of specific transactions, the Company may require the submission of various confirmations and documents within a specified period of time. If the customer fails to respond to the request by the specified deadline without due reason, the Company may restrict all or part of transactions pursuant to these Terms and Conditions.
- (2)In the event that the Company determines that there is a risk of a conflict with money laundering, terrorist financing, or economic sanctions-related laws and regulations, the Company may restrict transactions in whole or in part in accordance with these Terms and Conditions, considering the responses of customers to requests for confirmation and submission of documents as set forth in the preceding item, the specific nature of the transaction, the contents of the customer's explanations, and other circumstances.
- (3)With regard to any of the restrictions on transactions, etc. set forth in the preceding two items, if the Company find that the risk of money laundering, terrorist financing, or violations of economic sanctions-related laws and regulations has been reasonably eliminated based on explanations from customers, the Company will lift the restrictions on transactions, etc. pursuant to the preceding two items.
- (4)The Company shall not be liable for any damage caused to the customer by the restriction of transactions as set forth in Item 1 and Item 2.

Article 8 - (Deleted)

Article 9 - Fees

1.Various fees for the Banking Services shall be separately specified and withdrawn from the customer’s account prescribed by the Company. Notwithstanding the terms and conditions of the account, the withdrawal in this case shall be made by a method prescribed by the Company without the input of the Passwords, etc.
2.The Company may change various fees without prior notice. In such cases, the Company will notify the date of change and change content by posting them on its Internet website.

Article 10 - Transaction Details and Transaction Records

1.The Company does not issue a passbook when the customer opens an account. The customer may check his/her transaction details via inquiry transaction using the Internet Banking, etc. If the customer makes a request, the Company will issue written transaction details in place of a passbook to certify the fact of deposit to and withdrawal from the account as prescribed by the Company.
2.The Company will keep records of the customer’s transactions for a substantial period. Should any questions arise concerning the transaction content, the Company will handle its books, vouchers and other records (including electromagnetic records) as authentic records.

Article 11 - Change in Interest

If there are reasonable circumstances such as a change in financial conditions, the Company may change the interest rate prescribed by the Company to a rate approximately the same as that generally adopted. In particular, when the Company applies a preferential interest rate, the Company may change the preferential rate or stop its application at any time without giving notice.

Article 12 - Various Banking Services

Transactions in various Banking Services shall be handled in accordance with the provisions in these Terms and Conditions including the following clauses as well as the terms and conditions for each transaction.

1.Deposit to and withdrawal from an account
- (1)Deposit to an account
  To deposit money to a bank account, the customer may use a Terminal to transfer money from his/her other account. In addition, in the case of a savings account, the customer may deposit money using an ATM of other financial institutions which are affiliated with the Company.
- (2)Withdrawal from an account
  To withdraw deposited money, the customer may use a Terminal to make a transfer to his/her other account. In the case of a savings account, the customer may use an ATM of other financial institutions which are affiliated with the Company to make a withdrawal. In the case of a time deposit, the customer may make a specific instruction in advance to automatically cancel the deposit on the maturity date and receive the principal and interest.
- (3)Receiving transferred money
  Savings accounts accept money transfer.
- (4)Depositing of bills, checks, etc.
  Bills, checks and other securities are not acceptable as a deposit.
2.Transfer and internal transfer transactions
- (1)Distinction between transfer and internal transfer
  - <1>Internal transfer transaction
    In the case that both accounts for withdrawal and deposit are with the Company and held by the same person, fund transfer transactions between such accounts are treated as “internal transfer”.
  - <2>Transfer transaction
    In the case the account for deposit is at the head office or branch of any financial institutions other than the Company or, even if it is with the Company, the account for withdrawal and the account for deposit have different account holders, fund transfer transactions between such accounts are treated as “transfer”.
- (2)Internal transfer transaction
  - <1>Content of internal transfer transaction
    With internal transfer transactions, the customer may transfer funds between the accounts of the same account holder.
  - <2>Execution date of transaction
    An execution date of an internal transfer transaction (“Internal Transfer Date“） shall be the date when the Company receives the request for the internal transfer transaction from the customer.
  - <3>Applicable interest
    Applicable interest for the deposit account shall be the interest prescribed by the Company as of the Internal Transfer Date.
- (3)Transfer transaction
  - <1>Transfer transaction
    There are two types of transfer transactions: “transfer to registered account” where funds are transferred to the account registered as a transfer destination in advance, and “new transfer” where a transfer is made to an account not registered in advance. Note that the Company will receive the bank transfer fee prescribed by the Company when the Company accepts the transfer request.
  - <2>Setting of upper limits
    The Company sets the upper limit amount for transfer transactions per day (0:00 to 24:00) (“Transfer Upper Limit”). Note that the Company may change the Transfer Upper Limit per day without giving prior notice.
  - <3>Date of transaction execution
    - (a)Request for transfer on the day
      In principle, the Company transmits a transfer notice to the financial institution as the transfer destination on the day when the Company receives a request for transfer from the customer. In the case that the transfer is destined for any financial institution other than the Company, if the request content is fixed after the time limit prescribed by the Company or the Data Telecommunication System of All Banks in Japan (Zengin System) is out of operation on the day when the Company receives the request, the Company will transmit a transfer notice on the following business day of the Zengin System. Note that, on the transfer notice transmission date, the Company withdraws funds for transfer and then transmit a transfer notice.
    - (b)Reservation of transfer request
      The customer may reserve a transfer request through the Internet Banking specifying any day on or after the day following the terminal operation date as the date for transfer notice transmission (in the case of transfer to other banks, however, the customer cannot reserve any date when the Zengin System is not in operation as the transfer notice transmission date). The date for transfer notice transmission may be specified on any date within the period until the end of the month following the month to which the termination operation date belongs. Note that, on the transfer notice transmission date, the Company withdraws the funds for transfer and then transmit a transfer notice. The Company may change the period where transfer reservation is available without giving prior notice.
  - <4>Request content correction and reverse transfer
    - (a)After the transfer request content is fixed, the customer cannot change the content of the request or cancel the request in principle. If the Company judges it unavoidable and accepts a correction or a reverse transfer, however, such transaction may be handled in accordance with procedures prescribed by the Company. In this case, the transfer fee is not returned. In addition, the Company will receive the reverse transfer fee prescribed by the Company for a reverse transfer.
    - (b)In cases where transfer funds are returned from the destination financial institution by reverse transfer, such funds will be deposited to the customer’s savings account.
    - (c)In cases where the destination financial institution has already received the transfer notice, a correction or a reverse transfer may not be available. In such cases, the customer should consult with the funds receiver. Even when a reverse transfer is not successful, the Company does not return the reverse transfer fee.
3.Opening an account transaction
- (1)The customer may open a deposit account, other than a savings account, under his/her name in the Internet Banking. When opening such a deposit account, the customer shall check the request content and then make a request to the Company. The Company will handle the request in accordance with a prescribed method based on the request content.
- (2)The Passwords, etc. to be used for transactions with the deposit account opened under (1) above shall be the same as those registered when the customer opened his/her savings account.
4.Time deposit transaction
- (1)In the Internet Banking, the customer may deposit funds to or cancel a time deposit, or request for a change in the handling conditions of the time deposit.
- (2)The Company, in principle, will accept cancellation of the time deposit on and after the maturity date. If the Company judges it unavoidable, however, the Company may accept a request for cancellation even before the maturity date.
5.Investment trust transaction
- (1)In the Internet Banking, the customer may purchase or cancel an investment trust, set, change or cancel an installment investment trust and carry out other transactions specified by the Company.
- (2)The customer may purchase investment trust funds from those prescribed by the Company. Note that the customer shall sufficiently understand the content of the funds by reading the prospectus, etc. before making a request to purchase.
- (3)The Company accepts requests for cancellation of investment trust funds only at a timing other than the closed period in principle.
6.Transaction to inquire for account information, etc.
- (1)Transaction inquiry content
  In the Internet Banking, the customer may make an inquiry as to the content of transfer or internal transfer transactions the customer has requested, account balance, details of deposits and withdrawals and other matters prescribed by the Company in accordance with the method prescribed by the Company.
- (2)Return of inquired content
  In cases where the Company receives a request for a transaction inquiry from the customer and verifies that the request is made by the customer through identity verification procedures, the Company will send various types of information in accordance with the inquiry request content.
- (3)Correction and cancellation of returned content
  Various types of information the Company returns in accordance with the customer’s request represent the content at the time when the inquiry request is fixed. The Company may change, cancel or otherwise modify the content after the return of the information.
7.Application for loan
- (1)Transaction content
  In the Internet Banking, the customer may apply for loans.
- (2)Personal credit information
  - <1>The customer shall agree that the Company makes inquiries as to the customer’s credit information using a personal credit information organization the Company belongs to or other credit information organizations which are affiliated with the former organization when the Company makes a judgment as to the transactions applied by the customer.
  - <2>The customer shall agree that the Company registers the credit information based on the transaction facts to the credit information organization so that the members of that credit information organization use such information for judgment in their transactions.
  - <3>The customer shall agree that, when the Company utilizes the personal credit information organization or other credit information organizations which are affiliated with such organization in making a judgment on the transaction with the customer, the date of utilization, etc. will be registered to the credit information organization and the members of such credit information organization will use such information for judgment in their transactions.
- (3)Confirmation of application content
  The Company may contact the customer in order to verify the application content the customer input in the Internet Banking or the content the customer described in the loan contract. If the input or described content is different from the facts, the Company may refuse the execution of the contract.
- (4)Notice of screening result
  Notices of screening result for loan application shall be made in accordance with a method prescribed by the Company. Even after the screening result notice, the Company will not be obliged to provide the loan until the loan contract is executed.
8.Application for insurance
- (1)In the Internet Banking, the customer may apply for certain insurance services prescribed by the Company.
- (2)The Company acts as an intermediary between the insurance company and the customer for conclusion of an insurance contract. The Company does not underwrite insurance or serve as an agent for conclusion of an insurance contract.
- (3)In the course of solicitation for insurance contracts, the matters required to be explained by delivery of written documents under laws and regulations shall be in principle delivered electronically by posting on the Company’s website so that the customer can view them (if such method is permitted by law and regulations).
9.Intermediary of financial products
- (1)In the Internet Banking, the customer may, with an entrusting financial instruments business operator, make an application for the opening of a comprehensive securities account, purchase or sell securities and conduct other transactions specified by the Company or the entrusting financial instruments business operator.
- (2)The Company is engaged in “intermediary of sale and purchase of securities” and “dealing in public offering or secondary distribution of securities” under entrustment by a financial instruments business operator. The Company does not conduct brokerage or agency for sale or purchase of securities.
10.Foreign exchange margin trading
- (1)In the Internet Banking, the customer may carry out foreign exchange margin trading.
- (2)Available currency pairs in transactions shall be those prescribed by the Company. When starting transactions, the customer shall match the standards prescribed by the Company (including his/her experience in transactions, resources, age, etc.) and sufficiently understand the content of the foreign exchange margin trading before the opening of his/her account for foreign exchange margin trading.
- (3)The customer may request for cancellation of his/her foreign exchange margin trading account after completion of all transactions related to his/her foreign exchange margin trading.
11.Addition of services
Various Banking Services which the Company may additionally provide in the future shall be available to the customer when making an application by a method prescribed by the Company.
12.Service abolishment, etc.
If it becomes necessary for the Company to change, suspend or abolish various Banking Services in whole or in part, the Company may, by giving notice on its website in advance, change, suspend or abolish the applicable Banking Services in whole or in part on the date of the change, suspension or abolishment.

Article 13 - Handling of Personal Information

1.The customer shall agree that the Company collects and handles the customer’s personal information in accordance with its “privacy policy”.
2.The Company’s privacy policy is available on its website.
3.The customer shall agree that the Company provides the following customer's personal information, etc., to an organization that operates a fraudulent access detection service ("Fraud Detection Service Provider") for the following purposes and that the Fraud Detection Service Provider provides the detection results to the Company.
- (1)Purpose of use
  Purpose of using Fraud Detection Service Provider:
  The information provided by the Company will be used for the following purposes by matching it with personal information or personal-related information owned by the Fraud Detection Service Provider.
  - For the purpose of detecting fraudulent sign-ins
  - To improve the security of fund transfer transactions and to detect spoofing and other fraudulent transactions
- (2)Information to be provided
  Customer name, transaction information (account number, account holder name, account opening date, fund transfer request date, fund transfer amount, remitter name, telephone number, email address, etc.), beneficiary information (beneficiary bank, beneficiary bank code, branch number, beneficiary account number, etc.), fund transfer limit amount, fund transfer fee, usage environment (sign-in date and time, IP address, UA (User Agent), time zone, connected area of the country or region, language setting, OS, and other cookie information (terminal ID))

Article 14 - Loss of Cards

If the customer has lost his/her cash card (including loan card), the customer must immediately conduct procedures to stop the use of the card in accordance with a method prescribed by the Company. The Company shall not be liable for any damage caused before such procedures.

Article 15 - Change in Notified Matters

1.In case the customer’s name, address, period of stay, date of expiration, or other notified matters have been or will be changed, the customer must immediately follow the procedures prescribed by the Company to change the notified matters.
2.If any of the notified matters are changed or will be changed, the Company shall not be liable for any damage caused before notification of such change. In addition, the Company shall not be liable for any damage caused by insufficiency in notified matters or failure to change notified matters.
3.In case the Company sends any notice or documents to be delivered (“Notices”) to the notified name and address, if the Notices are not delivered to the customer and returned to the Company, the Company may stop sending of the Notices thereafter.

Article 16 - Method of Notification and Notice

1.The customer shall agree that the Company’s notification or notices hereunder are given by posting on its website, via e-mail or by any other method.
2.The customer shall agree that, in case notices sent to the notified e-mail address or postal address is delivered late or fails to be delivered due to telecommunication circumstances, insufficiency or failure of the change of notified matters or any other reason not attributable to the Company, the notice shall be deemed to be delivered to the customer at the time when it should be normally delivered.

Article 17 - Cancellation

1.The customer may cancel transactions with the Company in accordance with the procedures prescribed by the Company.
2.If any of the situations described in the subsequent paragraph occurs, the Company may take measures as follows
- (1)Immediately suspend various Banking Services in whole or in part without giving prior notice to the customer.
- (2)Cancel various Banking Services for the customer in whole or in part with giving notice in writing or via e-mail to the customer’s notified name, address or e-mail address; in this case, no matter whether such notice reaches the customer or not, the services shall be deemed to be canceled at the time when the Company dispatches the cancellation notice.
3.Situations mentioned in the preceding paragraph shall be as follows:
- (1)Payment is stopped or a petition for bankruptcy is filed.
- (2)Order or notice for provisional seizure, preservative seizure or seizure is dispatched.
- (3)Inheritance has started.
- (4)The customer’s whereabouts becomes unknown to the Company due to his/her failure to change notified matters or other reasons attributable to the customer.
- (5)Failure to pay various fees for the Company’s service provision.
- (6)Any of the Banking Services is not used for over two years.
- (7)Though, under Article 3, paragraph 4 and Article 6, paragraph 3, a notice requesting for re-conducting of the Verification at Transactions is given in accordance with Article 16, the Company is unable to contact the customer, or the customer fails to contact the Company by the date specified.
- (8)If the Company is unable to contact the customer by the date specified by the Company after the expiration of the period of stay notified to the Company, or if the customer does not contact the Company despite notification from the Company.
- (9)In the event the Customer's account is used or is reasonably considered likely to be used for transactions that conflict with money laundering, terrorist financing, or economic sanctions related laws and regulations.
- (10)Where it is recognized that the customer's account is used or is likely to be used for acts that violate laws, regulations, or public order and morals.
- (11)The customer otherwise falls under any of the situations for cancellation under terms and conditions related to the transactions with the Company.
- (12)In addition to the situations listed in the preceding subparagraphs, any substantial reason that requires the Company to suspend services is found.
4.In addition to the preceding paragraph, if the customer falls under any of subparagraphs below and it is inappropriate to continue transactions with the customer, the Company may suspend transactions with the customer or give notice to the customer to cancel transactions with him/her.
- (1)It is found that the customer made a false notification in relation to the consent to the “Representation and Undertaking for Not Being Anti-Social Force” as specified in Article 3, paragraph 1.
- (2)It is found that the customer has any of the following statuses:
  - <1>Organized crime group
  - <2>Member of an organized crime group
  - <3>Person who ceased to be a member of an organized crime group within the past five (5) years
  - <4>Quasi-member of an organized crime group
  - <5>Corporation related to an organized crime group
  - <6>Shakai undo hyobo goro (a person seeking illicit benefits by the use of violent or illegal acts under the name of social movement) such as a corporate racketeer, or special intelligence organized crime group, etc.
  - <7>Person equivalent to any of the above those that fall under <1> through <7>, collectively “Organized Crime Group Member, etc.”
  - <8>Person who falls under any of the following situations:
    - (a)Maintaining a relationship in which it is deemed that Organized Crime Group Member, etc. controls the management
    - (b)Maintaining a relationship in which it is deemed that Organized Crime Group Member, etc. is effectively engaged in the management
    - (c)Maintaining a relationship in which it is deemed that he/she uses Organized Crime Group Member, etc. unjustifiably, such as for the purpose of acquiring illicit benefits for himself/herself, his/her company or a third party, or for the purpose of inflicting harm on a third party
    - (d)Maintaining a relationship in which it is deemed that he/she is engaged in providing funds or benefits to Organized Crime Group Member, etc.
    - (e)Whose officer or other person practically engaging in the management has a socially unacceptable relationship with Organized Crime Group Member, etc.
- (3)Engage, either by oneself or through a third party, in any of the following acts:
  - <1>Violent demand
  - <2>Unreasonable demand beyond legal responsibilities
  - <3>Threatening act or statement or use of violence in connection with transactions
  - <4>Act of damaging the Company’s credibility or obstructing the Company’s business by spreading rumors, using fraudulent means or exercising force
  - <5>Any other acts similar to any of the above
5.In addition to the preceding paragraph, if the customer falls under any of subparagraphs below and the Company is unable to conduct the Verification at Transactions with the customer through the transaction procedures specified in Article 1, paragraph 2, the Company may suspend transactions with the customer or, by giving notice to the customer, cancel transactions with him/her.
- (1)The customer is an important politically exposed person in a foreign government, etc. as specified in the Act on Prevention of Transfer of Criminal Proceeds, Enforcement Order of this Act and Enforcement Regulation of this Act (See the subparagraphs under <1> below) or recently become such a person.
- (2)Those described in <2> of the customer are important politically exposed persons in a foreign government, etc. as specified in the Act on Prevention of Transfer of Criminal Proceeds, Enforcement Order of this Act and Enforcement Regulation of this Act (See the subparagraphs under <1> below) or recently become such a person.
  - <1>Scope of the head of a foreign country and persons at an important position in the foreign government, central bank or other similar organization, as well as those who were in these positions before
    - (a)Those in posts equivalent to the Prime Minister or other ministers of state and senior vice-ministers in Japan
    - (b)Those in posts equivalent to the Speaker or Deputy Speaker of the House of Representatives, or President or Vice-President of the House of Councilors
    - (c)Those in posts equivalent to judges at the Supreme Court in Japan
    - (d)Those in posts equivalent to ambassador extraordinary and plenipotentiary, envoy extraordinary and minister plenipotentiary, special ambassador, representative of the government or plenipotentiary
    - (e)Those in posts equivalent to the Chief of Staff (Joint Staff), Deputy Chief of Staff (Joint Staff), Chief of Staff (Ground Self-Defense Force), Deputy Chief of Staff (Ground Self-Defense Force), Chief of Staff (Maritime Self-Defense Force), Deputy Chief of Staff (Maritime Self-Defense Force), Chief of Staff (Air Self-Defense Force), Deputy Chief of Staff (Air Self-Defense Force) in Japan
    - (f)Officers of the central bank
    - (g)Officers of a corporation which requires resolution or approval of the Diet for budget
  - <2>Scope of family members
    Spouse (including those who have not registered marriage but are substantially in similar situations as married people), parents, children and siblings as well as parents and children of the spouse other than above
6.In cases where the deposit, etc. remains after cancellation, the Company shall handle it as follows:
- (1)For deposits, etc., the Company will cancel the account in accordance with a method prescribed by the Company and then return it to the customer in accordance with a method prescribed by the Company. Thus, the Company shall be exempted from all responsibilities.
- (2)For credits such as loans, the customer will lose all benefits of the deferred payment and the customer will be required to immediately discharge the obligations. In addition, the Company may assign them to other parties.
7.The Company shall not be liable for any damage caused due to suspension or cancellation of transactions under paragraph 2, 4 or 5. In addition, if any damage is caused to the Company, the customer shall be liable.

Article 18 - Notification of Guardian of Adult

1.If assistance, curation or guardianship is commenced in accordance with a hearing and decision at a family court, the customer must immediately submit a notification in writing of the name and other necessary matters related to the guardian of an adult. The same shall apply in the case of the commencement of assistance, curatorship, or guardianship with regard to a customer's guardian of an adult, etc. as a result of a hearing and decision at a family court.
2.If any supervisor of voluntary guardians is assigned by a hearing and decision at the family court, the customer must immediately submit a notification in writing of the name and other necessary matters of the supervisor of voluntary guardians.
3.Even if a decision for the commencement of assistance, curation or guardianship has already been made, or a supervisor of voluntary guardians has been already assigned, the customer must submit a notification as in the case of paragraphs 1 and 2.
4.The customer must notify the Company of any cancellation or change in the notified matters described in paragraphs 1 to 3.
5.The Company shall not be liable for any damage caused before the notification under paragraphs 1 to 4 is made.

Article 19 - Exemption from Liability

1.The Company shall not be liable for any loss or damage arising from the failure or delay in providing its services due to any of the following:
- (1)Any natural disaster, incident, measures taken by a court or other public bodies or other unavoidable circumstances.
- (2)Any trouble occurs with telecommunication lines or computers though the Company or the operating body of the system jointly used with other financial institutions has taken reasonable security measures.
- (3)Any event attributable to a financial institution, etc. other than the Company.
2.If, the Company or the operator of the financial institutions’ joint system have taken substantial safety measures, wiretapping, etc. in the telecommunication routes such as public telephone network, exclusive telephone network, Internet or other telecommunication lines results in divulgement of transaction information such as the customer’s Passwords, etc., the Company shall not be liable for any resulting damage.

Article 20 - Fraudulent Withdrawals Due to the Theft of Password, Etc.

1.In the event of fraudulent withdrawals due to the theft of Passwords, etc., which fall under all of the following items, the customer may claim compensation from the Company equal to the amount of the damages (including fees and interest) for such withdrawals
- (1)The theft of Passwords, etc. or fraudulent withdrawals have been reported to the Company immediately upon the customer's acknowledgement.
- (2)The customer provides full explanation for our inquiries.
- (3)The customer provides the Company with proof that the theft has been reported to the police or any other document evidencing the theft.
2.In the event of a claim as set forth in the preceding paragraph, unless such withdrawals are intentionally made by the customer, the Company shall compensate the amount (hereinafter referred to as the "Compensation Amount") equal to the amount of damages (including fees and interest) incurred in connection with the withdrawal that was made on or after the day preceding thirty (30) days of the date on which notice was given to the Company (if the customer proves that there are unavoidable circumstances which cannot be notified to the Company, the number of days shall be thirty (30) days plus the period during which the circumstances continue). Provided, however, that if the Company proves that such a withdrawal was made in good faith and without negligence and that the customer was negligent, the Company shall compensate for the amount equal to three-fourths (3/4) of the amount to be compensated.
3.The provisions of the preceding two paragraphs shall not apply if the notice to the Company in regards to paragraph 1 is provided after the date on which two years have elapsed from the date on which the Password, etc., was theft. (or, if such date is unknown, the date on which the first fraudulent withdrawal was made as a result of password theft, etc.)
4.Notwithstanding the provisions of paragraph 2, the Company shall not be liable for any damages if it proves any of the following:
- (1)The Company acted in good faith and without negligence with respect to such withdrawal, and any of the following circumstances applies:
  - <1>The Company proves that the customer has acted with intent or gross negligence.
  - <2>In the case of the withdrawals made by the customer's spouse, a relative within the second degree, a relative or other person living with the customer, or a household employee (such as a housekeeper who generally performs household chores).
  - <3>In the event that the Customer makes a false statement on important matters in the explanation to the Company regarding the situation of the damage.
- (2)Cases where the act is committed by taking advantage of or incidentally contributing to a serious disturbance of social order due to war, riot, etc.
5.In case the Company makes a payment to the customer or the customer's spouse or a relative within the second degree, etc., in relation to the fraudulent withdrawal set forth in paragraph 1, the Company shall not be liable for the damages stated under paragraph 1 up to the amount of such payment. In addition, if the customer receives any compensation or return of a fraudulent withdrawal from the person who received such compensation, the same shall apply up to the amount of such compensation received by the customer.
6.In case the Company compensates in accordance with the provisions of paragraph 2, the right to claim compensation under paragraph 1 shall be extinguished up to the amount of such compensation.
7.In case the Company has made compensation in accordance with the provisions of paragraph 2, the Company shall acquire the right to claim damages or the right to restitution of unjust enrichment claims that the customer may have against a person who made fraudulent withdrawals using the stolen password or any other third party, up to the amount of the compensation.

Article 21 - Mutatis Mutandis Application of Other Terms and Conditions

To the matters not described in these Terms and Conditions in relation to transactions with the Company, the Company’s other terms and conditions for each transaction shall apply. The Company’s terms and conditions are available on its website.

Article 22 - Modification of these Terms and Conditions

1.The Company may modify these Terms and Conditions and other conditions in the event that changes in financial situations or other reasonable grounds are deemed. The Company will provide notification of the modification by posting relevant information on its website or by other appropriate means.
2.The modifications in the preceding paragraph shall be applied from the commencing date of application set forth at the Company's notification, etc.

Article 23 - Governing Law and Jurisdiction

1.Transactions with the Company shall be governed by the laws of Japan.
2.The Tokyo District Court shall have the exclusive jurisdiction if any lawsuit is required in relation to transactions with the Company.

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