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

Terms And Conditions For Sony Bank Visa Debit Agreement

Article 1 - Scope of Applicability

The customer shall use the services after confirming that these Terms and Conditions applying to Visa debit transaction (as set forth in the following article) and transactions incidental thereto (collectively "Service”) by Sony Bank WALLET (“Card”) issued by Sony Bank Inc.(“Company”).
In addition, the Terms and Conditions for Cash Card shall apply to transactions conducted using cash card functions (the functions defined in the Terms and Conditions for Cash Card, hereinafter referred to as Cash Card Functions, etc.).
When the customer applies for the Service, the Company shall treat the customer as having confirmed and accepted to the provisions of these Terms and Conditions as well as the various Terms and Conditions separately set forth by the Company.

Article 2 - Definitions

The terms used in these Terms and Conditions shall have the following meanings:

• (1)“Member” means the customer who has applied to use the Service and whose application to use the Service has been approved by the Company.
• (2)“Merchant Establishment(s)” means Visa Worldwide Pte. Limited(“Visa Worldwide”), and branches, shops and facilities (including online shopping sites) of financial institutions or credit companies which are affiliated with Visa Worldwide and are considered as appropriate by the Company as well as financial institutions that manage automatic teller machines (“ATM”) and cash dispensers (“CD”) operated by financial institutions which are affiliated with Visa Worldwide.
• (3)“Purchase Transaction” means the Member’s purchase of products or receipt of services (including local currency withdrawals from an ATM or CD overseas, transfer of funds, etc.) at a Merchant Establishment.
• (4)“Visa Debit Transaction” means a transaction in which the Company will withdraw the total sum of the amount equivalent to the purchase price payable by the Member under a Purchase Transaction between the Member and a Merchant Establishment (“Purchase Price Payable”) and the relevant fees (“Amount Equivalent to Purchase Price Payable and Fees”) from a savings account (“Savings Account”) the Member holds with the Company in the currency designated by the Company to pay the Amount Equivalent to Purchase Price Payable and Fees so withdrawn from the Company through Visa Worldwide, under the premise that the Company has been entrusted by the Member with the payment of the Purchase Price Payable on behalf of the Member.
• (5)“Sony Bank WALLET” collectively means the name of a card and the product/service which serves as a cash card and as providing the Service.
• (6)“Visa Debit PIN” means the 4-digit PIN the Member has set prior to using the Service. Visa Debit PIN may be necessary to use the Service at a Merchant Establishment.

Article 3 - Service Hours

• 1.Member can use his/her Card at a Merchant Establishment during the hours specified by the Merchant Establishment. Service hours may vary by region.
• 2.The Member may not be able to use the Service for certain time periods due to the Company’s or Merchant Establishment’s system maintenance or for other reasons.

Article 4 - Management of Card and Visa Debit PIN

• 1.The ownership of the Card belongs to the Company, and the Member must manage the Card with the care of a prudent manager. The Member must strictly manage the Card in a manner to ensure that it will not be used by others, and strictly manage his/her Visa Debit PIN, card number, expiry date Authentication Information as specified in Article 15, Paragraph 1, and other information (collectively, the “Card Information”) in a manner to ensure that it will not be known by others. The Member must avoid using his/her date of birth, telephone number or other numbers that can be easily guessed by others for his/her Visa Debit PIN. If there is any possibility of unauthorized use of the Card due to forgery, theft or loss, or if the Member becomes aware of unauthorized use of the Card, the Member must promptly notify the Company thereof.
• 2.Visa Debit PIN may be changed in a manner prescribed by the Company. In this case, however, the Card needs to be re-issued, and the Member must apply for re-issuance.
• 3.If the Member forgets his/her Visa Debit PIN, the Member must notify the Company and complete the procedures prescribed by the Company. The Company will inform the Member of his/her Visa Debit PIN in the manner prescribed by the Company.
• 4.Upon receipt of the Card, the Member must promptly sign his/her own name in the designated place for signature thereon (only applies if the Card has a signature field).
• 5.The Card may be used by the Member only. The Member must not lend, assign or pledge the Card to others, or otherwise transfer its possession to a third party, or disclose the Card and the Card Information to a third party or allow a third party to use them.
• 6.If the Company demands the Member to return the Card, the Member must promptly respond to the demand.

Article 5 - Validity Period of Card

• 1.The expiry date of the Card shall be determined by the Company, and shall be the last day of the month shown on the Card.
• 2.If the Member does not notify the Company of his/her intention to cancel the Service by the expiry date of the Card and the Company approves his/her continued use of the Card, the expiry date of the Card shall be extended. In this case, the Company will send a new Card with an updated expiry date to the address the Member has registered with the Company in advance, and the new expiry date shall be the last date of the month shown on the new Card.
• 3.Even after the expiry date of the Card, if the Company receives notice of the Member’s use or purchase from the Merchant Establishment, the Company may withdraw funds from the Member’s Savings Account and pay for the Visa Debit Transaction to a Merchant Establishment. The same applies to the Member’s use of the Card after the Service is canceled on any of the grounds specified in Article 13.
• 4.The Company may, at its own discretion, switch the Member’s Card to a card which only has a function of a cash card, depending on the status of the Member’s use of the Card. In this case, his/her membership is revoked, and the Member will be no longer able to use the Service.

Article 6 - How to Use

• 1.The Member may make a Purchase Transaction by presenting the Card at a Merchant Establishment, having the Card Information scanned by a terminal equipped with the function for handling Visa Debit Transactions (“Terminal”), and affixing a signature on a prescribed sales slip. At Merchant Establishments specifically approved by the Company, the Member may make a Purchase Transaction by entering his/her Visa Debit PIN in the Terminal installed at such Merchant Establishments or by following other procedures specifically approved by the Company in lieu of affixing his/her signature on a sales slip. However, if a Terminal is out of order or there are other procedures specifically approved by the Company, the Member may be required to make a Purchase Transaction in other ways.
• 2.At a Merchant Establishment where transactions are made online including via computer communication or Internet, the Member may make a Purchase Transaction by sending the Card Information online to such Merchant Establishment in lieu of presenting his/her card and affixing his/her signature on a sales slip.
• 3.Depending on the amount used in or the status of the use of a Purchase Transaction, and the type of the product or right purchased or the service provided, the Member is required to obtain approval from the Company each time when the Member uses the Service. In this case, the Member shall agree in advance that a Merchant Establishment will inquire with the Company about the Member’s use of the Service and the Company will respond to the inquiry to an extent deemed necessary by the Company.
• 4.If the Company considers, after considering the status of the use of or the payment for the Service by the Member that the Member’s use of the Service is not appropriate, the Company may refuse his/her use of the Service.
• 5.The Member may withdraw local currency from an ATM or CD overseas only to withdraw accommodation expenses, etc. to the extent that they are not required to obtain permission or submit a notification under the Foreign Exchange and Foreign Trade Act and other relevant laws. The limit applicable to such withdrawal shall be the lesser of the limit specified by the Company or the one at the relevant ATM or CD overseas.
• 6.The Company may refuse the use of the Service at a Merchant Establishment at which the Company considers it inappropriate to use the Service.
• 7.If the Company considers that the Member is entitled to the return of all or part of the funds the Company has withdrawn from his/her Savings Account associated with the Service in light of the fact that the Member cancels a Purchase Transaction by an agreement with a Merchant Establishment or for other reasons, the Company will return the funds to the Member’s Savings Account during a period and through procedures specified by the Company.
• 8.The Member must pay the annual fee prescribed by the Company for using the Service and must agree that any annual fee paid by the Member will not be returned for any reason whatsoever.

Article 7 - Debit Card Statement

The Company will store the Member’s statements for the Visa Debit Transactions as electronic data for a period prescribed by the Company and make such statements available to the Member in the manner prescribed by the Company.

Article 8 - Method of Settlement, etc. of Purchase Transactions

• 1.If the Member makes a Purchase Transaction with a Merchant Establishment in the manner specified in Article 6, he/she will be deemed to have instructed the Company to withdraw the Amount Equivalent to Purchase Price Payable and Fees from his/her Savings Account and authorized the Company to pay the Purchase Price Payable using the funds so withdrawn, and if the Company approves such instruction and authorization, the Company will, based on the use information regarding the Purchase Transaction received from the Merchant Establishment (“Use Information”), immediately withdraw the Amount Equivalent to Purchase Price Payable and Fees from the Member’s Savings Account (such procedures: “Retention Procedures”, and the Amount Equivalent to Purchase Price Payable and Fees so retained: “Retained Amount”). If the Amount Equivalent to Purchase Price Payable and Fees based on the Use Information exceeds the Member’s deposit balance, the Company will not execute the Retention Procedures and the Visa Debit Transaction will not be concluded.
• 2.If the Company’s receipt of the Use Information from a Merchant Establishment is delayed due to telecommunications trouble, etc., the Company will execute the Retention Procedures at the time of receiving such Use Information.
• 3.If, after completion of the Retention Procedures by the Company, a notice of confirmed sales (a “Confirmed Sales Notice”) under a Purchase Transaction concluded between the Member and a Merchant Establishment arrives from a Merchant Establishment, the Company will pay the Amount Equivalent to Purchase Price Payable and Fees based on such Confirmed Sales Notice (“Confirmed Amount Payable”) to the Merchant Establishment. Upon receipt of a Confirmed Sales Notice, the Company will check the Retained Amount with the Confirmed Amount Payable. If the Retained Amount exceeds the Confirmed Amount Payable, the Company will return the amount equivalent to the difference between the Confirmed Amount Payable and the Retained Amount to the Member’s Savings Account in a manner prescribed by the Company. If the Retained Amount is below the Confirmed Amount Payable, the Company will withdraw the amount equivalent to the difference from the Member’s Savings Account.
• 4.If, after completing the Retention Procedures, a Confirmed Sales Notice has not arrived from a Merchant Establishment even after the lapse of the period prescribed by the Company, the Company will return the Retained Amount to the Member’s Savings Account. However, if the Company subsequently receives the Confirmed Sales Notice from the Merchant Establishment, the Company will, after receipt of such Confirmed Sales Notice, follow the procedures prescribed by the Company to withdraw the Confirmed Amount Payable from the Member’s Savings Account and pay the same to the Merchant Establishment.
• 5.If the Use Information fails to arrive and the Company only receives the Confirmed Sales Notice from a Merchant Establishment due to telecommunications troubles, etc., the Company will, after receipt of such Confirmed Sales Notice, follow the procedures prescribed by the Company to withdraw the Confirmed Amount Payable from the Member’s Savings Account and pay the same to the Merchant Establishment.
• 6.If, after completion of Retention Procedures by the Company, the Member cancels a Purchase Transaction by returning or canceling a product before the Company receives the Confirmed Sales Notice, the Company will, based on the Use Information regarding the product return or cancellation (a “Use Cancellation Information”) from a Merchant Establishment, complete the procedures prescribed by the Company and return the Retained Amount to the Member’s Savings Account.
• 7.If, after the Company receives a Confirmed Sales Notice, the Member cancels a Purchase Transaction by returning or canceling a product, the Company will, based on the Use Cancellation Information received from a Merchant Establishment, complete the procedures prescribed by the Company and return the Retained Amount to the Member’s Savings Account. Subsequently, upon receipt of a Confirmed Sales Notice regarding the product return or cancellation (a “Confirmed Sales Cancellation Notice”), the Company will check the amount to be returned based on the Use Cancellation Information with the amount to be returned based on the Confirmed Sales Cancellation Notice. If there is any difference between these two amounts, the Company will complete the procedures prescribed by the Company, and (a) withdraw the amount equivalent to the difference from the Member’s Savings Account if the amount to be returned based on the Use Cancellation Information exceeds the other, or (b) additionally return the amount equivalent to the difference to the Member’s Savings Account if the amount to be returned based on the Confirmed Sales Cancellation Notice exceeds the other. If, after the Company receives the Use Cancellation Information, a Confirmed Sales Cancellation Notice fails to arrive from the Merchant Establishment within the deadline prescribed by the Company, the Company will withdraw the Confirmed Amount Payable from the Member’s Savings Account. However, if the Confirmed Sales Cancellation Notice subsequently arrives from the Merchant Establishment, the Company will, after receipt of such Confirmed Sales Cancellation Notice, follow the procedures prescribed by the Company to return the Confirmed Amount Payable so withdrawn to the Member’s Savings Account.
• 8.If the Company is unable to make a withdrawal from the Member’s Savings Account pursuant to any of the preceding paragraphs because of the Member’s Savings Account balance being below the amount to be withdrawn or for other reasons, the provisions of Article 10, paragraph 1 shall apply.

Article 9 - Method of Settlement of Overseas Card Charges

• 1.If, as a result of Member’s use of the Service overseas, etc., the amount equivalent to the Purchase Price Payable is denominated in a foreign currency (“Foreign Currency Use”), it shall be settled in the following manner. In respect of any matter not provided for in this Article, the provisions of the preceding Article shall apply mutatis mutandis.
• 2.Retention Procedures
  • (1)In the case of the Foreign Currency Use made in currencies handled by the Service:
    • (i)If the Member holds a Savings Account of the foreign currency which is the same as the one used in the Foreign Currency Use and a withdrawal can be made from such foreign currency Savings Account, then the Company will make a withdrawal from his/her foreign currency Savings Account.
    • (ii)If the Member holds a Savings Account of the foreign currency which is the same as the one used in the Foreign Currency Use but a withdrawal cannot be made (e.g., the balance of the Member’s foreign currency Savings Account is below the amount to be withdrawn), the Company will withdraw from the Member’s Yen Savings Account the balance due which is converted to Japanese yen at the exchange rate (TTS) prescribed by the Company as of the time when the Company receives the Use Information, exchange it to such foreign currency, credit the funds so exchanged to the Member’s foreign currency Savings Account, and then make a withdrawal from such foreign currency Savings Account.
    • (iii)If the Member does not hold a Savings Account of the foreign currency which is the same as the one used in the Foreign Currency Use, the Company will withdraw from the Member’s Yen Deposit Account the Purchase Price Payable which is converted to Japanese yen at the exchange rate designated by Visa Worldwide as of the time when Visa Worldwide’s settlement center receives the Use Information (“Forex Rate”) plus fees (administrative expenses for overseas transactions) prescribed by the Company.
  • (2)In the case of the Foreign Currency Use made in currencies other than those handled by the Service:
    If the Foreign Currency Use is made in currencies other than those handled by the Service, the Company will withdraw from the Member’s Yen Savings Account the Purchase Price Payable which is converted to Japanese yen at the Forex Rate as of the time when Visa Worldwide’s settlement center receives the Use Information plus fees (administrative expenses for overseas transactions) prescribed by the Company.
• 3.Confirmed payment procedures
  • (1)In the case of paragraph 2, item (1), sub-items (i) and (ii), the Company will check the Retained Amount with the Confirmed Amount Payable. If the Retained Amount exceeds the Confirmed Amount Payable, the Company will return the amount equivalent to the difference to the Member’s foreign currency Savings Account. If the Retained Amount is below the Confirmed Amount Payable, the Company will withdraw the amount equivalent to the difference from the Member’s foreign currency Savings Account. If a withdrawal cannot be made (e.g., the balance of the Member’s foreign currency Savings Account is below the amount to be withdrawn), the Company will withdraw from the Member’s Yen Savings Account the balance due which is converted to Japanese yen at the exchange rate (TTS) prescribed by the Company as of the time when the Company completes checking the Confirmed Amount Payable, exchange it to such foreign currency, credit the funds so exchanged to the Member’s foreign currency Savings Account, and then make a withdrawal from such foreign currency Savings Account.
  • (2)In the case of paragraph 2, item (1), sub-items (iii) and paragraph 2, item (2), the Company will check the Confirmed Amount Payable (which is the Amount Equivalent to the Purchase Price Payable converted to Japanese yen at the Forex Rate as of the time when the Visa Worldwide’s settlement center receives the Confirmed Sales Notice plus the fees (administrative expenses for overseas transactions) prescribed by the Company) with the Retained Amount. If the Retained Amount exceeds the Confirmed Amount Payable, the Company will complete the procedures prescribed by the Company and return the amount equivalent to the difference to the Member’s Account. If the Retained Amount is below the Confirmed Amount Payable, the Company will withdraw the amount equivalent to the difference from the Member’s Account.
• 4.If, after completion of Retention Procedures, Member cancels a Purchase Transaction by returning or canceling a product before the Company receives the Confirmed Sales Notice, the Company will, based on the Use Cancellation Information from a Merchant Establishment, return the Retained Amount in the following manner. Furthermore, after the completion of the Retention Procedures, the same manner shall be applied for the case where the Confirmed Sales Notice is not received from the Merchant Establishment even after the lapse of the period prescribed by the Company:
  • (1)In the case of paragraph 2, item (1), sub-items (i) and (ii), the Company will return the Retained Amount to the Member’s foreign currency Savings Account. In the case of paragraph 2, item (1), sub-item (ii), the Company will return the amount equivalent to the balance due converted from Japanese yen to the foreign currency to such foreign currency Savings Account without converting back to Japanese yen. The same applies to cases provided for in paragraph 5, item (1). However, if the Company is unable to return the Retained Amount to the Member’s relevant foreign currency Savings Account on the ground that such foreign currency Deposit Account has been closed, etc., the Company will return to the Member’s Yen Savings Account the Retained Amount converted to Japanese yen at the exchange rate (TTB) prescribed by the Company as of the time when the Company completes checking procedures.
  • (2)In the case of paragraph 2, item (1), sub-items (iii) and paragraph 2, item (2), the Company will return the Retained Amount to the Member’s Yen Savings Account.
• 5.If, after the Company receives a Confirmed Sales Notice, Member cancels a Purchase Transaction by returning or canceling a product, the Company will return the Retained Amount in the following manner:
  • (1)In the case of paragraph 2, item (1), sub-items (i) and (ii), the Company will, based on the Use Cancellation Information, return the Retained Amount to the Member’s relevant foreign currency Savings Account. Subsequently, upon receipt of a Confirmed Sales Cancellation Notice, the Company will check the amount to be returned based on the Use Cancellation Information with the amount to be returned based on the Confirmed Sales Cancellation Notice. If there is any difference between those two amounts, the Company will complete the procedures prescribed by the Company, and (a) additionally withdraw the amount equivalent to the difference from the Member’s foreign currency Savings Account if the amount to be returned based on the Use Cancellation Information exceeds the other, or (b) return the amount equivalent to the difference to the Member’s foreign currency Savings Account if there is a balance due to the Member. However, if the Company is unable to return the Retained Amount to the Member’s relevant foreign currency Savings Account on the ground that such foreign currency Savings Account has been closed, etc., the Company will return to the Member’s Yen Savings Account the Retained Amount converted to Japanese yen at the exchange rate (TTB) prescribed by the Company as of the time when the Company completes checking procedures.
  • (2)In the case of paragraph 2, item (1), sub-items (iii) and paragraph 2, item (2), the Company will, based on the Use Cancellation Information, return the Retained Amount to the Member’s Yen Savings Account. Subsequently, upon receipt of a Confirmed Sales Cancellation Notice, the Company will check the amount to be returned based on the Use Cancellation Information with the amount to be returned which is calculated based on the Forex Rate as of the time when Visa Worldwide’s settlement center receives the Confirmed Sales Cancellation Notice. If there is any difference between those two amounts, the Company will complete the procedures prescribed by the Company, and (a) additionally withdraw the amount equivalent to the difference from the Member’s Yen Savings Account if the amount to be returned based on the Use Cancellation Information exceeds the other, or (b) return the amount equivalent to the difference to the Member’s Yen Savings Account if there is a balance due to the Member.
  • (3)In the preceding items, if, after the Company receives the Use Cancellation Information, a Confirmed Sales Cancellation Notice fails to arrive within a certain period of time, the Company will withdraw the Confirmed Amount Payable from the Member’s Account.
• 6.The Member shall understand and agree that in the case of paragraph 2, item (1), sub-item (iii) or paragraph 2, item (2), exchange gain or loss may arise from the exchange rate as of the time of the procedures referred to in paragraphs 2 to 5.
• 7.In respect of the use of an ATM/CD overseas, the Member must bear the fees (administrative expenses for overseas transactions) prescribed by the Company for all transactions referred to in paragraph 2, items (1) and (2), and in addition to this, in the case of paragraph 2, item (1), sub-item (iii) or paragraph 2, item (2), the service fee (ATM fee) prescribed by the Company.Moreover, the Member may be required to additionally bear the ATM fee prescribed by the organization which installs ATMs.
• 8.If the Company is unable to make a withdrawal from the Member’s Savings Account pursuant to any of the preceding paragraphs because of the Member’s Savings Account balance being below the amount to be withdrawn or for other reasons, the provisions of Article 10, paragraph 1 shall apply.

Article 10 - Handling of Advance Payments Made by Company

• 1.If the Company is unable to withdraw the difference between the Retained Amount and the Confirmed Amount Payable or the Confirmed Amount Payable from Member’s Savings Account, the Company will pay the Confirmed Amount Payable to a Merchant Establishment on behalf of the Member, and charge Member the difference between the Retained Amount and the Confirmed Amount Payable or the Confirmed Amount Payable, as applicable, in a manner prescribed by the Company.
• 2.If the Company makes a payment on behalf of the Member pursuant to the preceding paragraph, the Member shall owe an obligation to the Company with respect to the amount so paid on behalf of the Member (“Advance Payment”) and be responsible to immediately pay the same. If the Member owes the Advance Payment and other obligation(s) owed to the Company other than the Service, the Company may, at its own discretion, determine the payment priority of them.
• 3.If the Advance Payment made by the Company under paragraph 1 is denominated in a foreign currency, the amount of the obligation owed by the Member to the Company shall be converted to Japanese yen at the exchange rate (TTS) prescribed by the Company as of the time specified by the Company.
• 4.If the Company makes an Advance Payment, the Company will suspend the Member’s use of the Service until the Member pays the Advance Payment to the Company.
• 5.The Company may, at its own discretion and at any time, set off the Advance Payment against the Member’s deposits and other claim(s) the Member has against the Company, irrespective of their maturity, without giving prior notice to the Member. The Company shall not compensate the Member in any way for any disadvantage the Member may suffer as a result of the set-off.

Article 11 - Limit on Use

• 1.Member may, at his/her own discretion, determine the transaction limit for the use of the Service (“Limit on Use”) in a manner prescribed by the Company to any extent not exceeding the amount separately determined by the Company.
• 2.Except where specified in paragraphs 3 and 4, the Company will not accept the use of the Service which exceeds the Limit on Use, and if the Company receives from a Merchant Establishment a notice of the Use Information which shows the Member’s use of the Service exceeds the Limit on Use, notwithstanding the provisions of Article 6, the Company will notify the Merchant Establishment of its intention not to process a withdrawal and payment.
• 3.Notwithstanding the preceding paragraph, if the Company receives from a Merchant Establishment the Confirmed Sales Notice while the Retention Procedures are not executed or receives from a Merchant Establishment the Confirmed Sales Notice which shows the Member’s use of the Service exceeds the Retained Amount, the Company may accept his/her use of the Service which exceeds the Limit on Use.
• 4.The Member may apply for the use of the Service which exceeds the Limit on Use determined by the Company pursuant to paragraph 1. In this case, the Member must, upon request from the Company, submit documents to verify the Member’s identity, the purpose of such use and other information deemed necessary by the Company. However, the Company may, at its own discretion, refuse such supplication or determine the number of transactions and other transaction terms.
• 5.The Member must comply with any foreign exchange and foreign trade control laws and regulations applicable, currently or in the future, to Purchase Transactions overseas, and upon request from the Company, submit permits, certifications and other documents designated by the Company that the Company deems necessary to ensure compliance with these laws and regulations. The Member shall also agree in advance that the Company may at its own discretion limit or suspend, etc., the use of the Service.

Article 12 - Suspension of Use of Service

• 1.If the Member violates or is likely to violate these Terms and Conditions, if the Company considers, after taking into account the status of the Member’s use of the Service, that his/her use of the Service is not appropriate, or if the Company considers it necessary, the Company may immediately take measures to temporarily or permanently suspend his/her use of the Service (including the cancellation of his/her membership) without giving notice to the Member.
• 2.The Company shall not be liable in any way for any disadvantage, loss or damage the Member suffers as a result of the suspension of the use of the Service.

Article 13 - Cancellation

• 1.Member may cancel the Service in a manner prescribed by the Company.
  However, if the use of the Service is limited or suspended, the Member may not be able to cancel the Service.
• 2.If the Company receives a Confirmed Sales Notice associated with the Member’s Purchase Transaction from a Merchant Establishment after the Member canceled the Service, the Member will be deemed to have authorized the Company to pay the price payable under the Purchase Transaction with respect to which such Confirmed Sales Notice was issued, and the Company will, based on such authorization, pay the price payable by the Member by paying the Confirmed Amount Payable shown in such Confirmed Sales Notice to the Merchant Establishment. In this case, the provisions of these Terms and Conditions shall apply, and the Member shall owe an obligation to the Company with respect to the Advance Payment, and is liable to pay the same.

Article 14 - Termination of Service

The Company may, at its discretion at any time, terminate or temporarily suspend the Service in whole or in part. In such a case, the Member will be unable to use the Service in whole or in part irrespective of the expiry date of his/her Card.

Article 15 - Personal Authentication Service

• 1.When a Member makes a Purchase Transaction at a Merchant Establishment that has the Personal Authentication Service available, the Member must authenticate himself/herself by using Visa Secure ("Personal Authentication Service") provided by Visa Worldwide according to the following procedures if the Company deems it necessary.
  • (1)The Company sends a password for the Personal Authentication Service ("Authentication Information") to the e-mail address registered by the Member in advance.
  • (2)The Member enters the Authentication Information in accordance with the instructions on the screen designated by the Merchant Established. If the information the Member enters matches the Authentication Information, the Purchase Transaction will be executed.
• 2.The customer is responsible for maintaining his/her Authentication Information in strict confidence and should not disclose it to any third parties.
• 3.In the event that the Purchase Transaction is unsuccessful due to the failure of personal authentication, the Company shall not be liable for any disadvantage the Member suffers as a result thereof.

Article 16 - Reissuance of Card

• 1.To apply for reissuance of a Card, the Member needs to complete the procedures prescribed by the Company. When a Card is reissued, the card number and expiry date may be changed.The Member also needs to reset the Visa Debit PIN.
• 2.When a Card is reissued, the Member needs to pay a fee prescribed by the Company.

Article 17 - Prohibition of Assignment or Pledge, etc.

The Member may not assign, pledge, grant a third party any right to, or allow a third party to use, the status under the Membership Agreement or any other right related to the Service.

Article 18 - Compensation for Damage Caused by Card Loss or Theft

• 1.If the Member’s Card or Card Information was used by a third party due to loss, theft, forgery or alteration of the Card or theft of the Card Information (“Loss or Theft”) and any loss or damage arising from such use of the Card or Card Information, the Member may claim compensation from the Company for the amount equivalent to such loss or damage (“Compensation Amount”) to any extent not exceeding the Limit on Use specified in Article 11, paragraph 1 if:
  • (1)the Member gave notice to the Company promptly after he/she became aware of the Loss or Theft of the Card and the use by a third party;
  • (2)the Member provided full explanation during the Company’s investigation; and
  • (3)the Member provided the Company with evidence showing that he/she has reported the theft or loss to the police, or other documents demonstrating the theft or loss.
• 2.If a claim is made pursuant to the preceding paragraph, the Company shall compensate the Member for the amount equivalent to the loss or damage arising on or after the date which is thirty (30) days (or if and to the extent that the Member demonstrates that there were unavoidable circumstances which prevented him/her from giving notice to the Company, thirty (30) days plus the period during which such circumstances continue) prior to the date on which the Member gave notice to the Company to any extent not exceeding the Limit on Use specified in Article 11, paragraph 1. However, if the Member gives notice to the Company after the lapse of sixty (60) days following the date on which the Loss or Theft occurred, the Company shall not compensate the Member for loss or damage. The Company shall be liable to compensate the Member for any loss or damage incurred by the Member as a result of the use under Article 11, paragraph 4 to any extent not exceeding the Limit on Use specified in Article 11, paragraph 1.
• 3.Notwithstanding the preceding paragraph, the Company shall not be liable to compensate for any loss or damage if the Company proves any of the following:
  • (1)The Company acted in good faith and without negligence with respect to the use of the Card or the Card Information by a third party due to such Loss or Theft, and any of the following circumstances applies:
    • (i)The Company proves that the Member or his/her statutory agent acted intentionally or with gross negligence;
    • (ii)In case the Member's Card or Card Information was used by the Member's family or relatives (whether or not they live together), a person who lives with the Member, a legal representative, a house sitter, or any other person who takes care of the Member or the Member's family upon the Member's request or with the Member's consent, or any other person related to the Member ("Related Person, etc.");
    • (iii)The Member made a false statement in a material respect in explaining the loss or damage to the Company;
    • (iv)There was unauthorized use while the Card was assigned, lent or pledged to a third party or the Card was lost or stolen;
    • (v)The Loss or Theft occurred in circumstances in violation of these Terms and Conditions;
    • (vi)The Member refused to submit documents as requested by the Company, or any content of the documents submitted by the Member was false;
    • (vii)The Member does not cooperate with the Company in the investigation of the damage caused by unauthorized use, etc.
    • (viii)Unauthorized use by a third party due to the Loss or Theft was caused by leakage of personal information for reasons attributable to the Member;
    • (ix)The Visa Debit PIN registered by the Member was used due to willful misconduct or gross negligence on the part of the Member or his/her statutory agent when his/her Card was used or Authentication information for Personal Authentication Service, pursuant to Article 15.1.1, was used fraudulently;
    • (x)In case the Member or Related Persons, etc., are the recipients of goods or services or the recipients of payments for fraudulent use in mail order or other non-face-to-face transactions; or
    • (xi)In case the details reported by the Member correspond to a dispute with the Merchant pursuant to Article 22.
  • (2)The Card was stolen under the confusion of, or in connection with, extreme social disorder such as war or riot.
• 4.Notwithstanding Article 18.2, in case that the Card or the Card Information have been used by another person as a consequence of such loss or theft, the Company acting in good faith and without negligence, and if any of the following applies, the Company may reduce the amount payable as compensation and compensate the Member if any of the following applies.
  • (1)In case the Visa Debit PIN or the Authentication Information for the Personal Authentication Service pursuant to Article 15.1.1 are used fraudulently by the negligence of the Member or the Member's legal representative;
  • (2)In case a similar type of damage has occurred repeatedly, such as being victimized by a similar method within one year of the previous damage;
  • (3)In case of fraudulent card damage caused by fraudulent use of the same methods that the Company has warned the Customer about, despite our individual and specific warnings;
  • (4)In case the damage is caused by the Member leaving the card or card information in an environment where it is readily theftable by a third party and not under the Customer’s control; or
  • (5)In case the damage is caused by drunkenness or other factors that prevent the member from being able to perform the Customer's normal duties of care.
• 5.If the Member’s Card or Card Information was, or is likely to be, used by a third person due to the Loss or Theft of his/her Card, if the Member demands that the funds erroneously withdrawn from his/her Savings Account due to entry error by a Merchant Establishment be returned or in any other case where the Company so requests, the Member must provide cooperation (including submission of proofs of evidence and answering questions at a fact-finding interview) to the Company in conducting necessary investigation.
• 6.If returning to the Member the funds that the Company withdrew from the Member’s Savings Account in connection with a Purchase Transaction, the Company will do so upon the Member’s completion of procedures prescribed by the Company.

Article 19 - Indemnity

• 1.Even in the event of any erroneous or duplicate withdrawals from the Member’s Savings Account for reasons attributable to the Company, the only remedy required by the Company shall be to return funds equivalent to the amount erroneously withdrawn to the Deposit Account, and the Company shall not be liable for any damage caused whatsoever as a result thereof that exceeds the amount to be so returned.
• 2.In addition to the preceding paragraph, even if the Company is liable for the damage incurred by the Member in connection with the provision of the Service under these Terms and Conditions, the Company’s liability shall be limited to the extent of ordinary damage that may be expected to arise from ordinary situations, and the Company shall not be liable in any way for lost profits, extended damage, incidental damage, special damage, etc., nor shall the Company be liable in any way for any damage arising under special circumstances including ordinary damage and special damage.

Article 20 - Disclosure of Personal Information

• 1.The Member shall agree in advance that the product purchased in a Purchase Transaction, the details of the Service and other transactions, and information incidental thereto as well as his/her personal information and Card Information will be shared among Merchant Establishments, companies contracting with Merchant Establishments, etc., Visa Worldwide, acquirers, insurance companies and the Company for the purpose of identifying and confirming the details of, the Purchase Transaction.
• 2.The Company may subcontract all or any part of its services to fulfill its business purposes. In such a case, the Member’s personal information may be provided to such subcontractor(s), who will use the Member’s personal information to the extent required to perform the contracted services.

Article 21 -Benefits, etc.

• 1.As an additional consideration for the use of the Service by a Member, the Company may provide the Member with benefits (including, but not limited to, cash back, points, etc.; "Benefits, etc.") depending on the use of the Service. Specific matters and conditions regarding Benefits, etc. shall be determined by the Company and posted separately on the Company's website or other locations designated by the Company.
• 2.If a Member cancels the Service, or if the Company terminates the Service in whole or in part, any rights to Benefits, etc. that have been provided but have not yet been exercised by the Member at the time thereof, or any Benefits, etc. scheduled to be provided, shall be extinguished.
• 3.In the event that the Company refunds a Member the amount of any pending or confirmed payments based on Visa Debit Transaction for any reasons including the cancellation of a Purchase Transaction due to a return or cancellation, where the Company has already provided the Member with any Benefits, etc.related to the Visa Debit Transaction, the Member shall refund or return such Benefits, etc.("Returns, etc.") immediately after the refund of the pending or confirmed payment.
• 4.In the event that a Member violates or is likely to violate the Terms and Conditions or any other terms and conditions separately stipulated by the Company, or in the event that the Member's use of the Service is restricted or suspended, the Company may, at any time and at its discretion, request that the Member return the Benefits, etc. already provided to the Member. In this case, the Member shall promptly comply with the request for Returns, etc.
• 5.The Company may, at its own discretion, determine the method of return as set forth in the preceding two paragraphs. If the Member owes money to the Company in accordance with the preceding two paragraphs, the Company may set off the relevant refund obligation against the Member's deposits or other claims against the Company at any time at its discretion without prior notice to the Member in an equivalent amount.

Article 22 - Dispute

The Company shall not be liable for any dispute arising in connection with the Service unless there is any fault on the part of the Company. The Company shall not be liable in any way for Purchase Transactions, or for conducting any investigation into the details thereof. If any questions or other problems arise in connection with any Purchase Transaction, the Member must resolve such questions or problems through consultation with the relevant Merchant Establishment.

Article 23 - Mutatis Mutandis Application of Other Terms and Conditions

Concerning any matters related to the Service that are not specified in these Terms and Conditions, Sony Bank General Terms and Conditions, and other applicable terms and conditions adopted by the Company shall apply mutatis mutandis. If any terms of other terms and conditions overlap with the ones of these Terms and Conditions, these Terms and Conditions shall prevail.

Article 24 - 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.

End of Text