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

Terms and Conditions for Foreign Currency Savings Account

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

Article 1 - Scope of Handling

Request for transaction related to this foreign currency savings account (“Account”) may be submitted via terminal or other devices. 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.
The Account is in principle made available to persons over the age of 15 years or older.　However　, if the customer is under the age of 20, he/she may be restricted from certain transactions.

Article 2 - Deposit

Currencies deposited in the Account shall be limited to those foreign currencies permitted by the Company.
Deposit in the Account shall be equal to or more than one (1) currency unit and may be placed in the fractional currency units.

Article 3 - Acceptance of Securities

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

Article 4 - Acceptance of Funds

The Account accepts money transferred via exchange.

Article 5 - 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.
The Company shall process an extraordinary withdrawal in accordance with the procedures prescribed by the Company if it considers that there is a pressing reason to do so when foreign exchange markets are not open.

Article 6 - Interest

Interest on the Account shall be calculated at the foreign currency savings account interest rate prescribed by the Company in units of one (1) fractional currency for the final account balance of ten (10) or more currency units 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.

Article 7 - Market Rates

If any funds are withdrawn from or deposited to the Account by internal transfer in a currency other than the denominated currency or if the Account is canceled, the foreign currency exchange rates prescribed by the Company shall apply.
If appropriate exchange rates for currencies the Company handles are not available in foreign exchange markets, the Company may not be able to execute transactions related to the Account. The Company may also temporarily limit or suspend transactions related to the Account depending on market fluctuations.

Article 8 - Limit Order Transactions

The types of limit order transactions shall be buying and selling of foreign currency.
When buying or selling foreign currency through the deposit account held with the Company, the customer may apply for a limit order transaction in a manner prescribed by the Company. However, the customer may apply for a buy limit order or a sell limit order for foreign currency only against Japanese yen.
The Company will accept any application for a limit order for not less than 0.1 million yen or the currency unit prescribed by the Company for each foreign currency, in a unit of one (1) yen or in fractional currency units.
The Company will not accept applications for a limit order if:
- the limit price exceeds the range of rates (TTS rates or TTB rates quoted by the Company) prescribed by the Company;
- the total amount of the buy limit order for foreign currency exceeds the available balance of the yen savings account at the time of the application; or
- the total amount of the sell limit order for foreign currency exceeds the balance of the deposit in such currency at the time of the application.
The customer may set an expiry date for his/her limit order which can be any time every hour up to thirty (30) days from the date of the application. If the customer does not set an expiry date, such limit order will expire at 11:59 p.m. on the date of the application.
A limit order price is deemed to have been reached if:
- in cases where the limit order price is higher than the yen trading price (TTS rate for buy orders and TTB rate for sell orders) quoted by the Company at the time of the application, the yen trading price (TTS rate for buy orders and TTB rate for sell orders) quoted by the Company reaches or becomes higher than the limit order price; or
- in cases where the limit order price is lower than the yen trading price (TTS rate for buy orders and TTB rate for sell orders) quoted by the Company at the time of the application, the yen trading price (TTS rate for buy orders and TTB rate for sell orders) quoted by the Company hits or becomes lower than the limit order price.
If a limit order price is reached while it is active (in principle, only limited to when it is first reached after the application was made), the Company will promptly do the processing as described below depending on the type of the transaction the customer applied for. In this case, upon the Company’s completion of such proceeding, the limit order transaction will be concluded. However, it will take a certain amount of time to do such proceeding. Therefore, the date on which the limit order price was reached may differ from the date on which the transaction was executed. If two or more limit order prices are achieved concurrently, transactions will be executed in chronological order of applications.
- In cases of foreign currency buying:
  The application amount (or if the application amount is designated in a foreign currency, the yen amount converted at “Rate for Limit Order Transaction”) will be withdrawn from the customer’s yen savings account, and the amount converted at “Rate for Limit Order Transaction” (or if the application amount is designated in a foreign currency, that amount) will be credited to the customer’s relevant currency savings account.
- In cases of foreign currency selling:
  The application amount (or if the application amount is designated in yen, the amount of the relevant currency converted at “Rate for Limit Order Transaction”) will be withdrawn from the customer’s relevant currency savings account, and the amount converted at “Rate for Limit Order Transaction” (or if the application amount is designated in yen, that amount) will be credited to the customer’s yen savings account.
- “Rate for Limit Order Transaction” will be calculated at the limit order rate (or if the limit order rate is reached after the end of the period during which the relevant currency trading is suspended, the exchange rate first quoted by the Company after the opening of trading). If the customer is entitled to preferential treatment, the amount of such preferential treatment will be deducted from standard exchange costs.
The Company will not process Article 7 in respect of all amounts in the entire applications in any of the following circumstances. In these cases, the limit order transaction will not be executed, and the applications will become null and void.
- Transaction amount exceeds the limit on foreign currency buying or selling; or
- Withdrawal cannot be made because of insufficient funds in the savings account (including the case where a change in the transaction amount results in insufficient funds).
Application for a limit order may be canceled before the transaction is executed.
When a limit order is executed, the Company will notify the customer in the manner prescribed by the Company.

Article 9 - 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 10 - 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 follows 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 11 - 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 12 - 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.
- 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.
- The person depositing money in the Account violates Article 8 hereto.
- The Account is or threatened to be used for any act against laws, regulations or public order or standards of decency.
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 the case the Company cancels the account by giving notice, even if the notice is delayed in delivery or not delivered, 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. In such cases, the customer must pay cancellation fees prescribed by the Company corresponding to the balance, which shall be 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 deposited to the customer’s yen savings account.

Article 13 - Set-off by Customer 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:
- 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.
- 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.
- 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.
When the set-off is made, the foreign exchange rates in effect at the time when the Company makes the calculation shall apply.

Article 14 - Mutatis Mutandis Application of Other Terms and Conditions

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

Article 15 - Control Act, etc.

Transactions related to the Account shall be handled in accordance with the provisions of the Foreign Exchange and Foreign Trade Act and related cabinet order and ministerial ordinances.

Article 16 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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