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

Terms And Conditions For Transfers

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

Article 1 - Scope of Application

These Terms and Conditions shall apply to fund transfer (“Transfer”) to the deposit accounts of recipients held at the head office or branches operating in Japan of the Company or other financial institutions through the Company’s Internet Banking.

Article 2 - Transfer Application

• 1.Applications for Transfer (“Transfer Application”) shall be handled in the following manner:
  • (1)To apply for a Transfer, the customer must enter, in accordance with the procedures prescribed by the Company, correct information, such as the name of the financial institution and branch to which the fund is to be transferred, type of deposit, account number, name of recipient, amount to be transferred, name of applicant, and other prescribed items.
  • (2)The Company will accept a Transfer Application based on the information the customer entered on a Terminal, etc. Any Transfer Application which instructs the Transfer to be processed on the date of the Application shall be handled as a Transfer Application, and any Transfer Application which instructs the Transfer to be processed on the business day following the date of the Application or any subsequent day shall be handled as an application for scheduled Transfer.
• 2.The Company may temporarily suspend a submitted transfer request to verify the transaction details. This could result in the delay of the Transfer or the refusal of the Transfer Application.
• 3.The Company shall not be liable for any loss or damage arising from incorrect entry of the information listed in paragraph 1 or delay in or failure of the Transfer pursuant to the preceding paragraph.
• 4.At the time if the Company receives a Transfer Application, or at the time of receipt if the Company receives an application for scheduled Transfer, the customer must check the receipt number and details of his/her application which will be displayed on the Terminal, etc.

Article 3 - Conclusion of Transfer Agreement

• 1.Agreement for Transfer (“Transfer Agreement”) shall be deemed to be concluded when the Company confirms the details of the Transfer Application and the receipt of the fund to be transferred, transfer fees and other charges necessary related to the transaction (“Transfer Funds, etc.”).
• 2.The Company shall receive the Transfer Funds, etc. by way of internal transfer from the customer’s savings account on the date designated for the Transfer.

Article 4 - Transmission of Transfer Notice

• 1.When the Transfer Agreement is concluded, the Company will transmit a transfer notice to the financial institution to which the fund is to be transferred, based on the details of the Transfer Application, in the following manner:
  • (1)If the fund is to be transferred to the head office or a branch operating in Japan of a bank other than the Company and the Company’s computer system receives the Transfer Application by the prescribed time, the Company will transmit a transfer notice on the day of receipt.
  • (2)If the fund is to be transferred to the account held at the head office or a branch of the Company, the Company will transmit a transfer notice on the day when the Company’s computer system receives the Transfer Application.
  • (3)If the Company confirms the Transfer Application and the customer executes the Transfer after the prescribed time even though the customer receives the request for confirmation from the Company, the Company may transmit a transfer notice on the following day or any subsequent day, in which case the Company will notify the customer to that effect.
• 2.If the Company receives a Transfer Application on the day when the Data Telecommunication System of All Banks in Japan does not operate, notwithstanding the provisions of paragraph 1, the Company will transmit a transfer notice on the following day on which the Data Telecommunication System of All Banks in Japan operates.

Article 5 - Inquiries Regarding Transaction Details

• 1.If the fund to be transferred has not been paid in the recipient’s deposit account by the fund receipt date designated in the Transfer Agreement, the customer must check whether the details of the Transfer Application are correct, and an error occurs in such Transfer.
• 2.If the Company receives any inquiry from the financial institution to which the Company has transmitted a transfer notice, the Company may ask the customer as to the details of the Transfer Application. In such a case, the customer must promptly respond to the inquiry. If the customer fails to respond to the Company’s inquiry within a reasonable period of time or respond in an inappropriate manner, the Company shall not be liable for any damage arising therefrom.
• 3.If the fund to be transferred is returned due to reasons such as non-existence of the recipient account, the Company will promptly notify the customer thereof and the fund returned will be credited to the customer’s savings account.

Article 6 - Change to Details of Transfer Application

• 1.If the customer intends to amend the details of the Transfer Application after the Transfer Agreement is concluded, such amendment shall be handed in the following manner. However, if the customer intends to change the name of the financial institution and branch to which the fund is to be transferred or the amount to be transferred, such change shall be handled in accordance with the procedures for reverse transfer specified in Article 7.
  • (1)The customer must correctly enter the details of the change he/she intends to make in accordance with the procedures prescribed by the Company.
  • (2)In accordance with the amended details the customer has entered, the Company will transmit a telegraphic message for such amendment to the financial institution to which the fund is to be transferred.
• 2.In the case of paragraph 1, if the financial institution to which the fund is to be transferred has already received the transfer notice, the details of the Transfer Application may not be amended. In such a case, the customer should consult with the recipient.

Article 7 - Reverse Transfer

• 1.If the customer intends to withdraw the Transfer Application after the Transfer Agreement is concluded, such withdrawal shall be handled in accordance with the following reverse transfer procedures.
  • (1)The customer must follow the procedures prescribed by the Company for application for reverse transfer (“Reverse Transfer Application”). In such a case, the customer must enter the Passwords, etc. to verify his/her identification.
  • (2)Based on the Reverse Transfer Application, the Company will transmit a telegraphic message for such reverse transfer to the financial institution to which the fund is to be transferred.
  • (3)When the fund is returned from the financial institution to which the fund is to be transferred based on the Reverse Transfer Application, the Company will notify the customer thereof and the fund so returned will be credited to the customer’s savings account.
• 2.In the case of paragraph 1, if the financial institution to which the fund is to be transferred has already received the transfer notice, the reverse transfer may not be executed. In such a case, the customer should consult with the recipient.

Article 8 - Contact Information for Notice and Inquiry

• 1.If the Company gives notice to or inquires with the customer in relation to this transaction, the Company will contact the customer at the telephone number he/she entered in applying for the Transfer or the telephone number or email address registered by the customer.
• 2.In the case of paragraph 1, the Company shall not be liable for any loss or damage arising from the failure to give notice to or inquire with the customer due to an inadequate or incorrect entry of the contact address or loss of telephone connection.

Article 9 - Charges

• 1.In making any application for Transfer, the customer must pay the transfer charge prescribed by the Company.
• 2.In making any application for reverse transfer defined in Article 7, paragraph 1, item 1, the customer must pay the reverse transfer charge prescribed by the Company. In such a case, the transfer charge referred to in paragraph 1 shall not be returned to the customer. Note that, even if the reverse transfer is not executed, the reverse transfer charge shall not be returned to the customer.

Article 10 - Disaster Indemnity

The Company shall not be liable for any loss or damage arising from the failure or delay in depositing the funds to be transferred 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; or
• (3)Any event attributable to a financial institution, etc. other than the Company.

Article 11 - Prohibition of Assignment and Pledging

The customer may not assign, pledge, grant a third party any right to, or allow a third party to use, the customer’s any and all rights concerning this transaction.

Article 12 - Mutatis Mutandis Application of Other Terms and Conditions

Concerning any matters related to the Transfer 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.

Article 13 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.

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