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

Terms and Conditions for Savings Account

The customer shall conduct transactions after confirming that these Terms and Conditions constitute the Savings Account transaction agreement.

Article 1 - Scope of Handling

Request for transaction related to this savings account (“Account”) may be submitted via a Terminal, etc. or automated teller machines of other financial institutions which are affiliated with the Company. Withdrawals shall be accepted only after collation between the Passwords, etc.notified to the Company in advance and the Passwords, etc. input by the customer.

Article 2 - Acceptance of Securities

The Company shall not accept bills, checks, dividend receipts and other securities for deposit in the Account.

Article 3 - Acceptance of Transferred Money

The Account accepts money transfer.
If any bank transfer to the Account is canceled by the bank which has issued the notice for that transfer due to redundant transmission or other erroneous transmission, the deposit record of such transferred money shall be canceled without any notice.

Article4 - Withdrawal of Deposit

For withdrawal of deposit from the Account, the customer must follow the procedures prescribed by the Company and input the same Passwords, etc. as that the customer has notified in advance from a Terminal, etc.
In cases where several payments are to be made through the Account on the same day and the total amount exceeds the balance of the deposit, the Company may at its discretion decide which payment(s) to be executed.

Article5 - Interest

Interest on the Account shall be calculated at the savings account interest rate prescribed by the Company in units of one (1) yen for the final account balance of one thousand (1,000) yen or more of each day and shall be credited to the Account on the prescribed date of February and August of each year. The Company may change interest rates due to changes in financial circumstances.

Article6 - Change in Notified Matters

If any possibility of unauthorized use is found in relation to the Passwords, etc. notified to the Company or if any change occurs in the customer’s name, address or other notified matters, the customer must immediately follow change procedures prescribed by the Company. The Company shall not be liable for any damage caused before such change procedures.

Article 7 - Verification of Passwords

When any transaction is made after the Company checks the identity of the Passwords, etc. input on a Terminal, etc. and the Passwords, etc. previously notified to and registered with the Company and followed the identity verification procedures prescribed by the Company, even if any accident (forging, alteration, theft or any other unauthorized use) is found in relation to such Passwords, etc., the Company shall handle such transaction as effective and shall not be liable for any resulting damage.

Article 8 - Prohibition of Assignment, Pledging, etc.

The customer may not assign, pledge, grant a third party any right to, or allow a third party to use the Account, the customer’s contractual status under the deposit agreement related to the Account, or all other rights concerning transactions related to the Account.

Article 9 - Cancellation

The customer may at any time cancel the Account. To cancel the account, the customer must follow the procedures prescribed by the Company. Note that, however, the customer may not cancel the account in the case where any planned processing details are left for such savings account, the customer has any other transaction account with the Company, or any loan or other credit to the customer is left, etc.
If the customer falls under any of the following situations, the Company may suspend use of the Account or, by giving notice to the customer, cancel the Account. In the case the Company cancels the Account by giving notice, no matter whether the notice is delivered or not, the Account shall be deemed to be canceled when the Company transmits any written notice or e-mail to notify cancellation to the notified name and address or e-mail address.
1. It is found that the holder of the Account does not exist or that the Account is opened without intention of the holder of the Account.
2. The person depositing money in the Account violates Article 8 hereto.
3. The Account is or threatened to be used for any act against laws, regulations or public order or standards of decency.
4. Notwithstanding Article 3 of Sony Bank General Terms and Conditions, any question is found as to the validity of documents required under the said Article or identification documents due to forging, alteration, etc.
When the balance of the Account becomes lower than the cancellation reference balance prescribed by the Company and such account is not used for over two years thereafter, the Company may cancel the Account by giving notice to the customer in accordance with a method prescribed by the Company. In such cases, the customer must pay cancellation fees prescribed by the Company corresponding to the balance, which shall be in principle subtracted from the balance of the Account or the interest it bears at the time of cancellation.
If any deposit money remains after the cancellation, it shall be handled in accordance with procedures prescribed by the Company.

Article 10 - Set-off by Account Holder upon Insurable Contingency

The customer may set off the deposit against the obligations he/she owes to the Company in accordance with the clauses of the paragraphs in this article only when any insurable contingency specified under the Deposit Insurance Act occurs at the Company. Note that, even in cases where any pledge or other security right is set on the deposit to secure the customer’s obligations payable to the Company or to secure any obligations of a third party to the Company that the customer guarantees, the deposit shall be handled in the same manner.
Procedures for set-off in accordance with the preceding paragraph shall be as follows:
1. Set-off notice shall be made in writing. If the customer has several loans or other obligations owed to the Company, the customer must specify the order and method of appropriation. Note that set-off shall be started from any obligation secured by the Account (if any) and, if such obligation is owed to the Company by a third party, set-off shall be started from the obligation guaranteed by the holder of the Account.
2. If no specification under (1) above is given for appropriation, the appropriation shall be made in accordance with the order and method the Company specifies.
3. If, due to specification under (1) above, it is concerned that any problem in credit protection could occur, the Company may without delay make an objection and specify the order and method considering the situations of securities, guarantee, etc.
In case of set-off, interest, late payment charge, etc. for the obligations such as loans shall be calculated for the period until the set-off notice arrives at the Company. The interest rate and the late payment charge rate shall be in accordance with the Company’s specifications. In addition, damages incurred due to prepayment of loans, etc. shall be handled in accordance with the Company’s specifications.
In the case of set-off, if any other provisions are given for procedures with respect to prepayment of loans, such provisions shall apply. Even if approval by the Company is required for prepayment of loans or there are any other restrictions, the set-off may be made.

Article 11 - Mutatis Mutandis Application of Other Terms and Conditions

To the matters not described in these terms and conditions in relation to transactions of savings account, provisions under Sony Bank General Terms and Conditions and the Company’s other terms and conditions shall apply mutatis mutandis.

Article 12 - Modification of these Terms and Conditions

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.
The modifications in the preceding paragraph shall be applied from the commencing date of application set forth at the Company's notification, etc.

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